Discontinued — last reported Q1 '26
Small Business Lending — Provision For Loan Losses Expensed
Ready Capital Small Business Lending — Provision For Loan Losses Expensed decreased by 37.3% to $4.38M in Q1 2026 compared to the prior quarter. Year-over-year, this metric declined by 47.6%, from $8.37M to $4.38M. Over 2 years (FY 2021 to FY 2023), Small Business Lending — Provision For Loan Losses Expensed shows an upward trend with a 196.4% CAGR. This is a positive signal — lower values indicate better performance for this metric.
Analysis
How to read this metric
An increase signals deteriorating credit quality or portfolio growth, while a decrease suggests improved credit performance or reduced risk exposure.
Detailed definition
The non-cash expense recognized to increase the allowance for loan losses, reflecting management's estimate of potential...
Peer comparison
Comparable to 'Provision for Credit Losses' reported by all banks and lending institutions.
rc_segment_small_business_lending_provision_for_loan_losses_expensedHistorical 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 | $794.00K | $22.00K | $201.00K | $1.27M | $219.00K | $200.00K | $1.28M | $1.40M | $2.01M | $2.31M | $96.00K | $4.21M | -$4.46M | $3.93M | $8.37M | $3.49M | $7.00M | $4.38M |
| QoQ Change | — | -97.2% | +813.6% | +532.8% | -82.8% | -8.7% | +540.0% | +9.0% | +44.2% | +15.0% | -95.9% | >999% | -205.8% | +188.1% | +113.3% | -58.3% | +100.3% | -37.3% |
| YoY Change | — | — | — | — | -72.4% | +809.1% | +536.8% | +9.7% | +818.7% | >999% | -92.5% | +201.9% | -321.5% | +69.7% | +98.8% | +178.4% | +78.2% | -47.6% |
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Frequently Asked Questions
- What is Ready Capital's small business lending — provision for loan losses expensed?
- Ready Capital (RC) reported small business lending — provision for loan losses expensed of $4.38M in Q1 2026.
- How has Ready Capital's small business lending — provision for loan losses expensed changed year-over-year?
- Ready Capital's small business lending — provision for loan losses expensed decreased by 47.6% year-over-year, from $8.37M to $4.38M.
- What is the long-term trend for Ready Capital's small business lending — provision for loan losses expensed?
- Over 2 years (2021 to 2023), Ready Capital's small business lending — provision for loan losses expensed has grown at a 196.4% compound annual growth rate (CAGR), from $662.00K to $5.82M.
- What does small business lending — provision for loan losses expensed mean?
- The amount set aside as an expense to cover potential future losses from bad loans.