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Broadway National Bank
San Antonio, TX·FDIC Cert #15797·Charter: OCC·Est. 19410203.0·HC: BROADWAY BANCSHARES INC
Total Assets
$5.9B
Q4 2025
Return on Assets
1.35%
+0.02%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
64.07%
Peer avg: 57.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
65
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.35%+0.02
ROE
18.19%-0.16
Efficiency
64.07%+0.16
Equity/Assets
0.00%+0.00
NPL Ratio
0.25%+0.12
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
61.25%-3.51
Charge-offs
0.11%-0.01
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 | 1.0 | 1.0 | 1.1 | 1.1 | 1.2 | 1.2 | 1.3 | 1.4 |
| ROE | 15.4 | 16.4 | 16.7 | 17.7 | 17.0 | 17.6 | 18.4 | 18.2 |
| Efficiency | 67.4 | 66.5 | 66.4 | 67.2 | 65.2 | 64.1 | 63.9 | 64.1 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.5 | 0.5 | 0.5 | 0.1 | 0.1 | 0.1 | 0.1 | 0.2 |
| Charge-offs | 0.2 | 0.2 | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 66.0 | 64.8 | 64.4 | 66.1 | 66.4 | 68.3 | 64.8 | 61.2 |
Balance Sheet
Total Assets$5.9B
Total Deposits$5.3B
Total Loans$3.3B
Total Equity$474.5M
Profitability
ROA1.35%
ROE18.19%
Efficiency Ratio64.07%
Net Income$78.0M
Risk & Asset Quality
NPL Ratio0.25%
Charge-off Rate0.11%
Loan/Deposit61.25%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans