Net Interest Income
Ready Capital Net Interest Income decreased by 215.1% to -$15.10M in Q1 2026 compared to the prior quarter. Year-over-year, this metric declined by 204.2%, from $14.50M to -$15.10M. Over 4 years (FY 2021 to FY 2025), Net Interest Income shows a downward trend with a -26.7% CAGR. This decline may warrant attention — for this metric, higher values are generally preferred.
Analysis
How to read this metric
Higher values indicate a stronger net interest margin and more effective management of the cost of funds relative to asset yields.
Detailed definition
The difference between interest income earned on assets and interest expense paid on liabilities. This is the core profi...
Peer comparison
Standard banking and finance metric; peers report this as net interest income.
net_interest_incomeHistorical Data
| Q2 '21 | Q3 '21 | Q4 '21 | Q1 '22 | Q2 '22 | Q3 '22 | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $47.63M | $55.00M | $65.59M | $63.39M | $72.84M | $70.53M | $64.09M | $57.10M | $60.78M | $58.92M | $52.54M | $48.55M | $50.95M | $50.97M | $50.05M | $14.50M | $16.90M | $10.52M | $13.12M | -$15.10M |
| QoQ Change | — | +15.5% | +19.2% | -3.4% | +14.9% | -3.2% | -9.1% | -10.9% | +6.5% | -3.1% | -10.8% | -7.6% | +4.9% | +0.0% | -1.8% | -71.0% | +16.5% | -37.7% | +24.7% | -215.1% |
| YoY Change | — | — | — | — | +52.9% | +28.2% | -2.3% | -9.9% | -16.6% | -16.5% | -18.0% | -15.0% | -16.2% | -13.5% | -4.7% | -70.1% | -66.8% | -79.4% | -73.8% | -204.2% |
Business Segments — Sbc Lending And Acquisitions
| Segment | Q3 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q2 '24 | Q3 '24 | Q1 '25 |
|---|---|---|---|---|---|---|---|---|
| Small Business Lending | $17.51M | $8.56M | $9.05M | $8.53M | $6.58M | $7.25M | $8.20M | $9.88M |
| LMM Commercial Real Estate | $50.20M | — | — | — | $45.96M | $43.70M | $42.76M | $4.62M |
| Residential Mortgage Banking | -$365.00K | $79.00K | -$432.00K | $44.00K | — | — | — | — |
| Sbc Lending And Acquisitions | $53.75M | $48.55M | $51.73M | $50.41M | — | — | — | — |
| Total | $70.53M | $57.10M | $60.78M | $58.92M | $52.54M | $50.95M | $50.97M | $14.50M |
LMM Commercial Real Estate, Residential Mortgage Banking, Sbc Lending And Acquisitions, Small Business Lending were previously reported and have since been discontinued or reclassified. Only currently active segments are shown in the chart.
Business Segments — LMM Commercial Real Estate
| Segment | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 |
|---|---|---|---|---|---|
| LMM Commercial Real Estate | $4.62M | $6.18M | -$700.00K | $2.97M | -$21.78M |
| Small Business Lending | $9.88M | $10.72M | $11.22M | $10.15M | $6.68M |
| Total | $14.50M | $16.90M | $10.52M | $13.12M | -$15.10M |
Net Interest Income at Other Companies
Frequently Asked Questions
- What is Ready Capital's net interest income?
- Ready Capital (RC) reported net interest income of -$15.10M in Q1 2026.
- How has Ready Capital's net interest income changed year-over-year?
- Ready Capital's net interest income decreased by 204.2% year-over-year, from $14.50M to -$15.10M.
- What is the long-term trend for Ready Capital's net interest income?
- Over 4 years (2021 to 2025), Ready Capital's net interest income has grown at a -26.7% compound annual growth rate (CAGR), from $190.83M to $55.04M.
- What does net interest income mean?
- The profit earned from the difference between interest collected on loans and interest paid on debt.