Total Assets
$40.8B
Q4 2025
Return on Assets
1.78%
-0.02%Peer avg: 1.13%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
35.94%
Peer avg: 52.8%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
61
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.78%-0.02
ROE
12.05%-0.17
Efficiency
35.94%+0.25
Equity/Assets
0.00%+0.00
NPL Ratio
1.07%+0.61
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
95.38%+0.30
Charge-offs
0.50%+0.24
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 2.0 | 2.0 | 2.0 | 2.0 | 1.8 | 1.8 | 1.8 | 1.8 |
| ROE | 13.5 | 13.4 | 13.3 | 13.2 | 11.9 | 12.2 | 12.2 | 12.1 |
| Efficiency | 32.8 | 32.9 | 33.0 | 33.2 | 35.9 | 35.8 | 35.7 | 35.9 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.3 | 0.6 | 0.4 | 0.2 | 0.2 | 0.5 | 1.1 |
| Charge-offs | 0.1 | 0.1 | 0.2 | 0.2 | 0.2 | 0.2 | 0.3 | 0.5 |
| Loan/Deposit | 94.1 | 94.4 | 94.2 | 95.0 | 95.9 | 96.9 | 95.1 | 95.4 |
Balance Sheet
Total Assets$40.8B
Total Deposits$33.4B
Total Loans$31.8B
Total Equity$6.1B
Profitability
ROA1.78%
ROE12.05%
Efficiency Ratio35.94%
Net Income$715.5M
Risk & Asset Quality
NPL Ratio1.07%
Charge-off Rate0.50%
Loan/Deposit95.38%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans