Discontinued — last reported Q1 '26
Small Business Lending — Interest Income (Expense), Operating
Ready Capital Small Business Lending — Interest Income (Expense), Operating decreased by 40.5% to $6.68M in Q1 2026 compared to the prior quarter. Year-over-year, this metric declined by 32.5%, from $9.88M to $6.68M. Over 2 years (FY 2021 to FY 2023), Small Business Lending — Interest Income (Expense), Operating shows a downward trend with a -36.0% 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 efficient funding costs, while lower values suggest margin compression.
Detailed definition
The net interest margin generated by the Small Business Lending segment after accounting for interest expenses related t...
Peer comparison
Comparable to 'Net Interest Income' for specific business segments in banking and finance firms.
rc_segment_small_business_lending_interest_income_expense_operatingHistorical 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 | Q1 '25 | Q2 '25 | Q3 '25 | Q1 '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $22.15M | $22.23M | $29.26M | $20.55M | $23.11M | $17.51M | $9.54M | $8.56M | $9.05M | $8.53M | $6.58M | $6.67M | $7.25M | $8.20M | $9.88M | $10.72M | $11.22M | $6.68M |
| QoQ Change | — | +0.3% | +31.6% | -29.8% | +12.5% | -24.2% | -45.5% | -10.4% | +5.8% | -5.8% | -22.8% | +1.4% | +8.7% | +13.1% | +20.5% | +8.5% | +4.7% | -40.5% |
| YoY Change | — | — | — | — | +4.3% | -21.2% | -67.4% | -58.4% | -60.8% | -51.3% | -31.0% | -22.0% | -19.9% | -3.8% | +48.1% | +47.9% | +36.8% | -32.5% |
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Frequently Asked Questions
- What is Ready Capital's small business lending — interest income (expense), operating?
- Ready Capital (RC) reported small business lending — interest income (expense), operating of $6.68M in Q1 2026.
- How has Ready Capital's small business lending — interest income (expense), operating changed year-over-year?
- Ready Capital's small business lending — interest income (expense), operating decreased by 32.5% year-over-year, from $9.88M to $6.68M.
- What is the long-term trend for Ready Capital's small business lending — interest income (expense), operating?
- Over 2 years (2021 to 2023), Ready Capital's small business lending — interest income (expense), operating has grown at a -36.0% compound annual growth rate (CAGR), from $79.87M to $32.72M.
- What does small business lending — interest income (expense), operating mean?
- The net interest earned by the Small Business Lending segment after paying interest on borrowed funds.