Net Interest Income (After Provisions)
Ready Capital Net Interest Income (After Provisions) increased by 37.2% to -$86.01M in Q1 2026 compared to the prior quarter. Year-over-year, this metric declined by 169.3%, from $124.07M to -$86.01M. Over 4 years (FY 2021 to FY 2025), Net Interest Income (After Provisions) shows a downward trend with a -35.3% CAGR. This is a positive signal — higher values indicate stronger performance for this metric.
Analysis
How to read this metric
Higher values indicate stronger risk-adjusted returns and a healthier loan portfolio.
Detailed definition
Net interest income adjusted for the provision for credit losses, representing the net revenue available after accountin...
Peer comparison
Common in banking and specialty finance; peers report this as net interest income after provision.
net_interest_income_after_provisionHistorical 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 | $42.12M | $53.42M | $64.63M | $61.85M | $77.23M | $67.10M | $30.24M | $63.83M | $41.36M | $71.07M | $45.85M | $75.09M | $69.82M | -$2.20M | -$234.95M | $124.07M | $8.26M | -$27.46M | -$136.87M | -$86.01M |
| QoQ Change | — | +26.8% | +21.0% | -4.3% | +24.9% | -13.1% | -54.9% | +111.1% | -35.2% | +71.9% | -35.5% | +63.8% | -7.0% | -103.2% | <-999% | +152.8% | -93.3% | -432.5% | -398.5% | +37.2% |
| YoY Change | — | — | — | — | +83.4% | +25.6% | -53.2% | +3.2% | -46.5% | +5.9% | +51.7% | +17.6% | +68.8% | -103.1% | -612.4% | +65.2% | -88.2% | <-999% | +41.7% | -169.3% |
Business Segments — Sbc Lending And Acquisitions
| Segment | Q2 '21 | Q3 '21 | Q1 '22 | Q2 '22 | Q3 '22 |
|---|---|---|---|---|---|
| Sbc Lending And Acquisitions | $21.02M | $31.38M | $42.98M | $54.35M | $50.52M |
| Residential Mortgage Banking | -$261.00K | -$161.00K | -$133.00K | -$6.00K | -$365.00K |
| Total | $42.12M | $53.42M | $61.85M | $77.23M | $67.10M |
Residential Mortgage Banking, Sbc Lending And Acquisitions 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 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 |
|---|---|---|---|---|---|---|---|---|
| LMM Commercial Real Estate | $58.12M | -$6.48M | -$240.57M | $122.56M | $1.03M | -$31.68M | -$140.57M | -$88.30M |
| Small Business Lending | $11.71M | $4.28M | $5.61M | $1.51M | $7.22M | $4.22M | $3.71M | $2.29M |
| Total | $69.82M | -$2.20M | -$234.95M | $124.07M | $8.26M | -$27.46M | -$136.87M | -$86.01M |
Net Interest Income (After Provisions) at Other Companies
Frequently Asked Questions
- What is Ready Capital's net interest income (after provisions)?
- Ready Capital (RC) reported net interest income (after provisions) of -$86.01M in Q1 2026.
- How has Ready Capital's net interest income (after provisions) changed year-over-year?
- Ready Capital's net interest income (after provisions) decreased by 169.3% year-over-year, from $124.07M to -$86.01M.
- What is the long-term trend for Ready Capital's net interest income (after provisions)?
- Over 4 years (2021 to 2025), Ready Capital's net interest income (after provisions) has grown at a -35.3% compound annual growth rate (CAGR), from $182.78M to -$32.00M.
- What does net interest income (after provisions) mean?
- The net interest income remaining after accounting for expected loan losses.