Luminate Bank quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $517M | $421M | $414M | $52M | $4M | 3.11% | 31.84% | 3.65% | 2.01% |
| Q4 2025 | $511M | $432M | $367M | $49M | $5M | 3.72% | 36.61% | 4.20% | 2.49% |
| Q3 2025 | $456M | $366M | $329M | $44M | $6M | 3.63% | 35.02% | 3.68% | 3.92% |
| Q2 2025 | $412M | $344M | $333M | $39M | $4M | 2.54% | 23.82% | 3.32% | 3.62% |
| Q1 2025 | $341M | $251M | $289M | $39M | $523K | 0.62% | 5.45% | 3.47% | 3.51% |
| Q4 2024 | $336M | $257M | $264M | $38M | $263K | 3.24% | 25.24% | 2.87% | 3.38% |
| Q3 2024 | $276M | $186M | $220M | $39M | $2M | 4.42% | 33.24% | 2.73% | 3.75% |
| Q2 2024 | $329M | $194M | $265M | $37M | $5M | 5.07% | 39.11% | 2.60% | 3.39% |
| Q1 2024 | $225M | $168M | $174M | $33M | $2M | 3.38% | 23.79% | 3.15% | 3.14% |
| Q4 2023 | $224M | $158M | $173M | $30M | $-1898K | 2.05% | 15.40% | 3.42% | 2.87% |
| Q3 2023 | $224M | $156M | $176M | $31M | $2M | 4.01% | 30.28% | 3.45% | 1.71% |
| Q2 2023 | $248M | $125M | $211M | $29M | $4M | 4.29% | 32.79% | 3.33% | 1.41% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.