{ "chunks": [ { "id": "879cbe4a-067d-4d3b-a5b1-837c6039544c", "grounding": { "box": { "bottom": 0.1232532411813736, "left": 0.04065348207950592, "right": 0.47033190727233887, "top": 0.06965304911136627 }, "page": 0 }, "markdown": "\n\nPerforming CRE Loan Portfolio", "type": "text" }, { "id": "7966a22e-7f59-4565-8813-ecaece54d0f5", "grounding": { "box": { "bottom": 0.11404024064540863, "left": 0.7467460632324219, "right": 0.9668983221054077, "top": 0.04465203359723091 }, "page": 0 }, "markdown": "\n\n<::logo: READY CAPITAL\nREADY CAPITAL.\nA shield-like shape composed of orange dots, with the word \"READY CAPITAL\" in dark grey next to it.::>", "type": "logo" }, { "id": "9e6c1546-3a24-4a30-bf0d-eb4dae5f340a", "grounding": { "box": { "bottom": 0.495719850063324, "left": 0.043665140867233276, "right": 0.9539273977279663, "top": 0.14041084051132202 }, "page": 0 }, "markdown": "\n\nLOAN PRODUCT\u2078\nCOLLATERAL\nRISK RATING\nMODIFICATION STATUS\u2079\n<::\nPie chart 1: LOAN PRODUCT\u2078\n- Bridge: 70%\n- Construction: 23%\n- Fixed rate: 5%\n- Other: 2%\n\nPie chart 2: COLLATERAL\n- Multi-family: 81%\n- Land: 10%\n- Industrial: 5%\n- Other: 4%\n\nPie chart 3: RISK RATING\n- 1&2: 38%\n- 3: 38%\n- 4&5: 24%\n\nPie chart 4: MODIFICATION STATUS\u2079\n- Extensions: 42%\n- Modifications: 31%\n- Not Modified: 27%\n: chart::>", "type": "figure" }, { "id": "4999c870-1dc2-427b-a43c-1371a2b3d054", "grounding": { "box": { "bottom": 0.9407880306243896, "left": 0.04483592510223389, "right": 0.4911072254180908, "top": 0.524574875831604 }, "page": 0 }, "markdown": "\n\nHISTORICAL LEVERED YIELD\u00b9\u2070\n<::bar chart showing Historical Levered Yield over time:\nY-axis: Percentage from 0% to 12%\nX-axis: Quarters and Years\nData:\n- Q2 2025: 10.9%\n- Q3 2025: 11.0%\n- Q4 2025: 9.6%\n- Q1 2026: 7.0%\n- Q2 2026: 10.1%\n: bar chart::>", "type": "figure" }, { "id": "2956a5e7-318b-4872-8808-ff6279caef72", "grounding": { "box": { "bottom": 0.9356933832168579, "left": 0.5032720565795898, "right": 0.9513545036315918, "top": 0.5255975723266602 }, "page": 0 }, "markdown": "\n\n\n\n\n\n\n\n\n\n\n\n\n
QUARTERLY PORTFOLIO CREDIT MIGRATION
Q1'26 CV (%)Q2'26 CV (%)
CURRENT90.0%95.7%
30-5910.0%4.3%
60+\u2014%\u2014%
TOTAL100.0%100.0%
ACCRUAL81.6%84.6%
NON-ACCRUAL18.4%15.4%
TOTAL100.0%100.0%
", "type": "table" }, { "id": "f885133a-15ad-4217-bff7-d6aa1776187b", "grounding": { "box": { "bottom": 0.9757006168365479, "left": 0.9338911771774292, "right": 0.9499273300170898, "top": 0.9523617029190063 }, "page": 0 }, "markdown": "\n\n5", "type": "marginalia" } ], "markdown": "\n\nPerforming CRE Loan Portfolio\n\n\n\n<::logo: READY CAPITAL\nREADY CAPITAL.\nA shield-like shape composed of orange dots, with the word \"READY CAPITAL\" in dark grey next to it.::>\n\n\n\nLOAN PRODUCT\u2078\nCOLLATERAL\nRISK RATING\nMODIFICATION STATUS\u2079\n<::\nPie chart 1: LOAN PRODUCT\u2078\n- Bridge: 70%\n- Construction: 23%\n- Fixed rate: 5%\n- Other: 2%\n\nPie chart 2: COLLATERAL\n- Multi-family: 81%\n- Land: 10%\n- Industrial: 5%\n- Other: 4%\n\nPie chart 3: RISK RATING\n- 1&2: 38%\n- 3: 38%\n- 4&5: 24%\n\nPie chart 4: MODIFICATION STATUS\u2079\n- Extensions: 42%\n- Modifications: 31%\n- Not Modified: 27%\n: chart::>\n\n\n\nHISTORICAL LEVERED YIELD\u00b9\u2070\n<::bar chart showing Historical Levered Yield over time:\nY-axis: Percentage from 0% to 12%\nX-axis: Quarters and Years\nData:\n- Q2 2025: 10.9%\n- Q3 2025: 11.0%\n- Q4 2025: 9.6%\n- Q1 2026: 7.0%\n- Q2 2026: 10.1%\n: bar chart::>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
QUARTERLY PORTFOLIO CREDIT MIGRATION
Q1'26 CV (%)Q2'26 CV (%)
CURRENT90.0%95.7%
30-5910.0%4.3%
60+\u2014%\u2014%
TOTAL100.0%100.0%
ACCRUAL81.6%84.6%
NON-ACCRUAL18.4%15.4%
TOTAL100.0%100.0%
\n\n\n\n5", "metadata": { "credit_usage": 3.0, "duration_ms": 58064, "filename": "p5.pdf", "job_id": "cmsi49te606r7fo0125916l37", "org_id": "dlh8mka28ml4", "page_count": 1, "version": "dpt-2-20260410", "failed_pages": [] }, "splits": [ { "chunks": [ "879cbe4a-067d-4d3b-a5b1-837c6039544c", "7966a22e-7f59-4565-8813-ecaece54d0f5", "9e6c1546-3a24-4a30-bf0d-eb4dae5f340a", "4999c870-1dc2-427b-a43c-1371a2b3d054", "2956a5e7-318b-4872-8808-ff6279caef72", "f885133a-15ad-4217-bff7-d6aa1776187b" ], "class_": "full", "identifier": "full", "markdown": "\n\nPerforming CRE Loan Portfolio\n\n\n\n<::logo: READY CAPITAL\nREADY CAPITAL.\nA shield-like shape composed of orange dots, with the word \"READY CAPITAL\" in dark grey next to it.::>\n\n\n\nLOAN PRODUCT\u2078\nCOLLATERAL\nRISK RATING\nMODIFICATION STATUS\u2079\n<::\nPie chart 1: LOAN PRODUCT\u2078\n- Bridge: 70%\n- Construction: 23%\n- Fixed rate: 5%\n- Other: 2%\n\nPie chart 2: COLLATERAL\n- Multi-family: 81%\n- Land: 10%\n- Industrial: 5%\n- Other: 4%\n\nPie chart 3: RISK RATING\n- 1&2: 38%\n- 3: 38%\n- 4&5: 24%\n\nPie chart 4: MODIFICATION STATUS\u2079\n- Extensions: 42%\n- Modifications: 31%\n- Not Modified: 27%\n: chart::>\n\n\n\nHISTORICAL LEVERED YIELD\u00b9\u2070\n<::bar chart showing Historical Levered Yield over time:\nY-axis: Percentage from 0% to 12%\nX-axis: Quarters and Years\nData:\n- Q2 2025: 10.9%\n- Q3 2025: 11.0%\n- Q4 2025: 9.6%\n- Q1 2026: 7.0%\n- Q2 2026: 10.1%\n: bar chart::>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
QUARTERLY PORTFOLIO CREDIT MIGRATION
Q1'26 CV (%)Q2'26 CV (%)
CURRENT90.0%95.7%
30-5910.0%4.3%
60+\u2014%\u2014%
TOTAL100.0%100.0%
ACCRUAL81.6%84.6%
NON-ACCRUAL18.4%15.4%
TOTAL100.0%100.0%
\n\n\n\n5", "pages": [ 0 ] } ], "grounding": { "879cbe4a-067d-4d3b-a5b1-837c6039544c": { "box": { "bottom": 0.1232532411813736, "left": 0.04065348207950592, "right": 0.47033190727233887, "top": 0.06965304911136627 }, "page": 0, "type": "chunkText", "confidence": 1.0, "low_confidence_spans": [] }, "7966a22e-7f59-4565-8813-ecaece54d0f5": { "box": { "bottom": 0.11404024064540863, "left": 0.7467460632324219, "right": 0.9668983221054077, "top": 0.04465203359723091 }, "page": 0, "type": "chunkLogo", "confidence": null, "low_confidence_spans": [] }, "9e6c1546-3a24-4a30-bf0d-eb4dae5f340a": { "box": { "bottom": 0.495719850063324, "left": 0.043665140867233276, "right": 0.9539273977279663, "top": 0.14041084051132202 }, "page": 0, "type": "chunkFigure", "confidence": null, "low_confidence_spans": [] }, "4999c870-1dc2-427b-a43c-1371a2b3d054": { "box": { "bottom": 0.9407880306243896, "left": 0.04483592510223389, "right": 0.4911072254180908, "top": 0.524574875831604 }, "page": 0, "type": "chunkFigure", "confidence": null, "low_confidence_spans": [] }, "2956a5e7-318b-4872-8808-ff6279caef72": { "box": { "bottom": 0.9356933832168579, "left": 0.5032720565795898, "right": 0.9513545036315918, "top": 0.5255975723266602 }, "page": 0, "type": "chunkTable", "confidence": 0.995, "low_confidence_spans": [] }, "0-1": { "box": { "bottom": 0.9257292612753005, "left": 0.5093544184727272, "right": 0.9460695117242608, "top": 0.532239373097612 }, "page": 0, "type": "table", "confidence": null, "low_confidence_spans": [] }, "0-2": { "box": { "bottom": 0.5678610656513087, "left": 0.5095939300503602, "right": 0.9460695117242608, "top": 0.532239373097612 }, "page": 0, "type": "tableCell", "confidence": 0.985, "position": { "chunk_id": "2956a5e7-318b-4872-8808-ff6279caef72", "col": 0, "colspan": 3, "row": 0, "rowspan": 1 } }, "0-3": { "box": { "bottom": 0.603452521453, "left": 0.5095701096443181, "right": 0.6544184473026229, "top": 0.5678226766467275 }, "page": 0, "type": "tableCell", "confidence": 0.991, "position": { "chunk_id": "2956a5e7-318b-4872-8808-ff6279caef72", "col": 0, "colspan": 1, "row": 1, "rowspan": 1 } }, "0-4": { "box": { "bottom": 0.6034478928588332, "left": 0.6544073412317993, "right": 0.7993286757223415, "top": 0.5677842649224684 }, "page": 0, "type": "tableCell", "confidence": 0.995, "position": { "chunk_id": "2956a5e7-318b-4872-8808-ff6279caef72", "col": 1, "colspan": 1, "row": 1, "rowspan": 1 } }, "0-5": { "box": { "bottom": 0.6034432621116916, "left": 0.7993119433562819, "right": 0.9459082864219456, "top": 0.5677454106907857 }, "page": 0, "type": "tableCell", "confidence": 1.0, "position": { "chunk_id": "2956a5e7-318b-4872-8808-ff6279caef72", "col": 2, "colspan": 1, "row": 1, "rowspan": 1 } }, "0-6": { "box": { "bottom": 0.6438262999169893, "left": 0.509543099753842, "right": 0.6544073412317993, "top": 0.6034478928588332 }, "page": 0, "type": "tableCell", "confidence": 1.0, "position": { "chunk_id": "2956a5e7-318b-4872-8808-ff6279caef72", "col": 0, "colspan": 1, "row": 2, "rowspan": 1 } }, "0-7": { "box": { "bottom": 0.6438430335323874, "left": 0.6543947533657816, "right": 0.7993119433562819, "top": 0.6034432621116916 }, "page": 0, "type": "tableCell", "confidence": 0.981, "position": { "chunk_id": "2956a5e7-318b-4872-8808-ff6279caef72", "col": 1, "colspan": 1, "row": 2, "rowspan": 1 } }, "0-8": { "box": { "bottom": 0.6438599255297685, "left": 0.7992929864641252, "right": 0.9457462113833746, "top": 0.603438582480692 }, "page": 0, "type": "tableCell", "confidence": 0.967, "position": { "chunk_id": "2956a5e7-318b-4872-8808-ff6279caef72", "col": 2, "colspan": 1, "row": 2, "rowspan": 1 } }, "0-9": { "box": { "bottom": 0.6843294469398928, "left": 0.509515980888943, "right": 0.6543947533657816, "top": 0.6438095716808369 }, "page": 0, "type": "tableCell", "confidence": 0.983, "position": { "chunk_id": "2956a5e7-318b-4872-8808-ff6279caef72", "col": 0, "colspan": 1, "row": 3, "rowspan": 1 } }, "0-a": { "box": { "bottom": 0.6843230734794942, "left": 0.6543821285993062, "right": 0.7992929864641252, "top": 0.6438262999169893 }, "page": 0, "type": "tableCell", "confidence": 0.963, "position": { "chunk_id": "2956a5e7-318b-4872-8808-ff6279caef72", "col": 1, "colspan": 1, "row": 3, "rowspan": 1 } }, "0-b": { "box": { "bottom": 0.684316698887593, "left": 0.799273994898521, "right": 0.9455626667330888, "top": 0.6438430335323874 }, "page": 0, "type": "tableCell", "confidence": 0.99, "position": { "chunk_id": "2956a5e7-318b-4872-8808-ff6279caef72", "col": 2, "colspan": 1, "row": 3, "rowspan": 1 } }, "0-c": { "box": { "bottom": 0.7247165078161835, "left": 0.5094889509131454, "right": 0.6543821285993062, "top": 0.6843230734794942 }, "page": 0, "type": "tableCell", "confidence": 0.968, "position": { "chunk_id": "2956a5e7-318b-4872-8808-ff6279caef72", "col": 0, "colspan": 1, "row": 4, "rowspan": 1 } }, "0-d": { "box": { "bottom": 0.7247130331138156, "left": 0.6543695371318021, "right": 0.799273994898521, "top": 0.684316698887593 }, "page": 0, "type": "tableCell", "confidence": 0.973, "position": { "chunk_id": "2956a5e7-318b-4872-8808-ff6279caef72", "col": 1, "colspan": 1, "row": 4, "rowspan": 1 } }, "0-e": { "box": { "bottom": 0.7247095582935007, "left": 0.7992550412497074, "right": 0.9453789903893757, "top": 0.6843102709234514 }, "page": 0, "type": "tableCell", "confidence": 0.995, "position": { "chunk_id": "2956a5e7-318b-4872-8808-ff6279caef72", "col": 2, "colspan": 1, "row": 4, "rowspan": 1 } }, "0-f": { "box": { "bottom": 0.7650730662131457, "left": 0.5094619457710012, "right": 0.6543695371318021, "top": 0.7247130331138156 }, "page": 0, "type": "tableCell", "confidence": 1.0, "position": { "chunk_id": "2956a5e7-318b-4872-8808-ff6279caef72", "col": 0, "colspan": 1, "row": 5, "rowspan": 1 } }, "0-g": { "box": { "bottom": 0.7650796684185867, "left": 0.6543569549938195, "right": 0.7992550412497074, "top": 0.7247095582935007 }, "page": 0, "type": "tableCell", "confidence": 1.0, "position": { "chunk_id": "2956a5e7-318b-4872-8808-ff6279caef72", "col": 1, "colspan": 1, "row": 5, "rowspan": 1 } }, "0-h": { "box": { "bottom": 0.7650863114989822, "left": 0.7992360982755993, "right": 0.9451955617825063, "top": 0.7247060581704995 }, "page": 0, "type": "tableCell", "confidence": 0.991, "position": { "chunk_id": "2956a5e7-318b-4872-8808-ff6279caef72", "col": 2, "colspan": 1, "row": 5, "rowspan": 1 } }, "0-i": { "box": { "bottom": 0.80550844896419, "left": 0.5094348790355072, "right": 0.6543569549938195, "top": 0.7650664632846871 }, "page": 0, "type": "tableCell", "confidence": 0.986, "position": { "chunk_id": "2956a5e7-318b-4872-8808-ff6279caef72", "col": 0, "colspan": 1, "row": 6, "rowspan": 1 } }, "0-j": { "box": { "bottom": 0.8055050483588266, "left": 0.654344350425904, "right": 0.7992360982755993, "top": 0.7650730662131457 }, "page": 0, "type": "tableCell", "confidence": 0.995, "position": { "chunk_id": "2956a5e7-318b-4872-8808-ff6279caef72", "col": 1, "colspan": 1, "row": 6, "rowspan": 1 } }, "0-k": { "box": { "bottom": 0.805501648614491, "left": 0.7992171309623598, "right": 0.9450122037118298, "top": 0.7650796684185867 }, "page": 0, "type": "tableCell", "confidence": 0.998, "position": { "chunk_id": "2956a5e7-318b-4872-8808-ff6279caef72", "col": 2, "colspan": 1, "row": 6, "rowspan": 1 } }, "0-l": { "box": { "bottom": 0.8459161229594623, "left": 0.5094078511700794, "right": 0.654344350425904, "top": 0.8055050483588266 }, "page": 0, "type": "tableCell", "confidence": 1.0, "position": { "chunk_id": "2956a5e7-318b-4872-8808-ff6279caef72", "col": 0, "colspan": 1, "row": 7, "rowspan": 1 } }, "0-m": { "box": { "bottom": 0.845939879875669, "left": 0.6543317523758627, "right": 0.7992171309623598, "top": 0.805501648614491 }, "page": 0, "type": "tableCell", "confidence": 0.978, "position": { "chunk_id": "2956a5e7-318b-4872-8808-ff6279caef72", "col": 1, "colspan": 1, "row": 7, "rowspan": 1 } }, "0-n": { "box": { "bottom": 0.8459637319722835, "left": 0.7991981560235899, "right": 0.944828701849435, "top": 0.805498231532887 }, "page": 0, "type": "tableCell", "confidence": 0.982, "position": { "chunk_id": "2956a5e7-318b-4872-8808-ff6279caef72", "col": 2, "colspan": 1, "row": 7, "rowspan": 1 } }, "0-o": { "box": { "bottom": 0.8850750740700837, "left": 0.5093816429133724, "right": 0.6543317523758627, "top": 0.8458923566141219 }, "page": 0, "type": "tableCell", "confidence": 0.979, "position": { "chunk_id": "2956a5e7-318b-4872-8808-ff6279caef72", "col": 0, "colspan": 1, "row": 8, "rowspan": 1 } }, "0-p": { "box": { "bottom": 0.8850984964366291, "left": 0.6543195446721446, "right": 0.7991981560235899, "top": 0.8459161229594623 }, "page": 0, "type": "tableCell", "confidence": 0.992, "position": { "chunk_id": "2956a5e7-318b-4872-8808-ff6279caef72", "col": 1, "colspan": 1, "row": 8, "rowspan": 1 } }, "0-q": { "box": { "bottom": 0.8851219878654236, "left": 0.7991797815218278, "right": 0.9446449566899093, "top": 0.845939879875669 }, "page": 0, "type": "tableCell", "confidence": 0.978, "position": { "chunk_id": "2956a5e7-318b-4872-8808-ff6279caef72", "col": 2, "colspan": 1, "row": 8, "rowspan": 1 } }, "0-r": { "box": { "bottom": 0.9257292612753005, "left": 0.5093544184727272, "right": 0.6543195446721446, "top": 0.8850516391459449 }, "page": 0, "type": "tableCell", "confidence": 1.0, "position": { "chunk_id": "2956a5e7-318b-4872-8808-ff6279caef72", "col": 0, "colspan": 1, "row": 9, "rowspan": 1 } }, "0-s": { "box": { "bottom": 0.925695811606788, "left": 0.6543068812602146, "right": 0.7991797815218278, "top": 0.8850750740700837 }, "page": 0, "type": "tableCell", "confidence": 0.964, "position": { "chunk_id": "2956a5e7-318b-4872-8808-ff6279caef72", "col": 1, "colspan": 1, "row": 9, "rowspan": 1 } }, "0-t": { "box": { "bottom": 0.9256623846906851, "left": 0.799160747620693, "right": 0.9444671474475251, "top": 0.8850984964366291 }, "page": 0, "type": "tableCell", "confidence": 0.968, "position": { "chunk_id": "2956a5e7-318b-4872-8808-ff6279caef72", "col": 2, "colspan": 1, "row": 9, "rowspan": 1 } }, "f885133a-15ad-4217-bff7-d6aa1776187b": { "box": { "bottom": 0.9757006168365479, "left": 0.9338911771774292, "right": 0.9499273300170898, "top": 0.9523617029190063 }, "page": 0, "type": "chunkMarginalia", "confidence": 0.999, "low_confidence_spans": [] } } }