Inspire Trust Company, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Inspire Trust Company, N.A. is an FDIC-insured bank headquartered in Reno, NV. At Q2 2026 it reported total assets of $13.8M, up 17.7% from Q2 2025.
- Charter
- Bank
- Deposit insurance
- FDIC
- FDIC certificate
- Not reported
- Headquarters
- Reno, NV
- Established
- Not reported
- Total assets, Q2 2026
- $13.8M
- Assets vs Q2 2025
- +17.7%
- Capital ratio
- Not reported
- Domestic offices
- Not reported
- Routing number
- 121202457
- Latest call report
- Q2 2026, FFIEC 041 · Inspire Trust Company, N.A. call report
Inspire Trust Company, N.A. is one of the more profitable banks of its size. Based in Reno, Nevada, it had $14 million in assets at June 30, 2026, up 17.7% from a year earlier. It returns 33.0% a year on shareholders' equity, 3.9 times the median of 8.6% for the 533 banks with less than $100 million in assets. On the other hand, it keeps 2.83 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.91 cents).
As of June 30, 2026, Inspire Trust Company, N.A. reported a CET1 capital ratio of 258.61%, a return on assets of 36.96% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
From Q1 2026 to Q2 2026, its total assets fell 13.9% to $13.8M. On its Q2 2026 call report, Inspire Trust Company, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Metro Area
- Reno, NV
- Federal Reserve member
- —
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Employees (FTE)
- 35
- Domestic deposits
- $0
- Allowance for credit losses
- $0
- Net charge-offs (YTD)
- $0
- Average total assets
- $12.6M
- Average total loans
- $0
- Average interest-bearing deposits
- $0
- Fed RSSD
- 5805488
Profitability
Q2 annualizedAsset Quality
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Inspire Trust Company, N.A.'s total assets moved between a low of $8.8M (Q4 2023) and a high of $16.1M (Q1 2026) from Q4 2023 to Q2 2026, and it earned a profit in 9 of the 11 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$13.8M total assets against $11.8M; $616K total liabilities against $43K.
$0 net loans and leases against $0; $0 total deposits against $0.
$0 securities against $0; $11.5M cash and balances due against $10.3M.
$61K total interest income against $75K; $0 total interest expense against $0.
$61K net interest income against $75K.
$4.6M total noninterest income against $2.8M; $3.1M total noninterest expense against $1.7M.
No provision recorded in the last 11 quarters.
$1.2M net income against $1.2M.
36.96% return on assets against 41.98%; 2.83% net interest margin against 3.58%.
258.61% CET1 capital ratio against 313.55%; 104.59% tier 1 leverage ratio against 105.66%.
Inside the full Inspire Trust Company, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeQuarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 13.62% (Q1 2025) to 43.08% (Q3 2025) and its net interest margin ran from 2.19% (Q1 2026) to 7.34% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 258.61% | 36.96% | — | 0.00% | 2.83% |
| Q1 2026 | 274.26% | 36.63% | — | 0.00% | 2.19% |
| Q4 2025 | 261.38% | 16.82% | — | 0.00% | 3.05% |
| Q3 2025 | 308.17% | 43.08% | — | 0.00% | 2.99% |
| Q2 2025 | 313.55% | 41.98% | — | 0.00% | 3.58% |
| Q1 2025 | 313.65% | 13.62% | — | 0.00% | 3.07% |
| Q4 2024 | 323.90% | 34.49% | — | 0.00% | 3.92% |
| Q3 2024 | 329.14% | 22.53% | — | 0.00% | 7.34% |
Swipe the table sideways to see every column.
Regulatory record
Facts as filed or published, not a rating.
- Not on file
- Enforcement actions, Deposit market share, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Inspire Trust Company, N.A.
What are Inspire Trust Company, N.A.'s total assets?
As of the Q2 2026 filing, Inspire Trust Company, N.A. reported total assets of $13.8 million in its FFIEC call report.
Where is Inspire Trust Company, N.A. headquartered?
It is headquartered in Reno, NV, United States.
What is Inspire Trust Company, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 258.61% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
What is Inspire Trust Company, N.A.'s Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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