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 a healthy, profitable lending business, while lower values suggest that credit losses are eroding the interest margin.
Detailed definition
This metric measures the net interest income remaining after accounting for the expected credit losses. It provides a cl...
Peer comparison
Commonly used by banks to assess risk-adjusted lending performance.
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?
- Net interest income adjusted for expected loan losses.