Total Assets
$5.8B
Q4 2025
Return on Assets
1.27%
+0.07%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
31.30%
Peer avg: 57.5%
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
1.27%+0.07
ROE
13.32%+0.81
Efficiency
31.30%-2.05
Equity/Assets
0.00%+0.00
NPL Ratio
0.00%+0.00
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
86.94%-1.27
Charge-offs
0.00%-0.00
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 | 1.5 | 1.4 | 1.4 | 1.5 | 0.9 | 1.1 | 1.2 | 1.3 |
| ROE | 17.5 | 16.6 | 15.7 | 16.3 | 10.0 | 11.1 | 12.5 | 13.3 |
| Efficiency | 24.8 | 26.1 | 27.6 | 26.6 | 38.9 | 35.9 | 33.4 | 31.3 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.0 | — | — | — | — | 0.0 | — | — |
| Charge-offs | 0.0 | -0.0 | -0.0 | -0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 82.0 | 83.7 | 88.5 | 91.3 | 88.4 | 92.7 | 88.2 | 86.9 |
Balance Sheet
Total Assets$5.8B
Total Deposits$5.1B
Total Loans$4.5B
Total Equity$548.5M
Profitability
ROA1.27%
ROE13.32%
Efficiency Ratio31.30%
Net Income$68.4M
Risk & Asset Quality
NPL RatioN/A
Charge-off Rate0.00%
Loan/Deposit86.94%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans