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Terra Property Trust, a commercial real estate credit-focused REIT, reported Q2 2026 revenues of $4.6 million, down from $8.6 million a year earlier, and a net loss of $3.9 million, or $(0.16) per share. For the first six months of 2026, revenues were $7.8 million and net loss widened to $19.0 million, or $(0.78) per share, compared with a $10.5 million loss in the prior-year period. Results were pressured by an $11.8 million provision for credit losses, real-estate impairments and lower interest and rental income after significant loan repayments and property sales.
Total assets fell to $249.6 million from $351.5 million at year-end as the loan portfolio shrank to $87.3 million of carrying value and the company foreclosed on a multifamily property and sold three industrial buildings. Equity decreased to $126.5 million, with accumulated deficit rising to $318.2 million. Cash and cash equivalents were $9.7 million, while management disclosed approximately $57.9 million of debt obligations coming due within 12 months of issuance.
The company stated it does not currently have sufficient liquidity to meet these maturities and that “substantial doubt” exists about its ability to continue as a going concern. Management is pursuing loan repayments, asset sales, refinancings and capital raises, and during the period exchanged $60.2 million of unsecured notes maturing in 2026 into longer-dated secured notes and cash. Distributions were sharply reduced, with no Q2 2026 dividend and only $0.04 per share declared year-to-date versus $0.29 a year earlier.