Total Assets
$4.9B
Q4 2025
Return on Assets
2.01%
-0.11%Peer avg: 1.23%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
38.26%
Peer avg: 57.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
60
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
2.01%-0.11
ROE
17.75%-0.71
Efficiency
38.26%+0.66
Equity/Assets
0.00%+0.00
NPL Ratio
0.81%-0.10
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
113.29%+0.43
Charge-offs
0.22%+0.02
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 | 1.9 | 1.9 | 1.9 | 2.0 | 1.8 | 2.1 | 2.1 | 2.0 |
| ROE | 16.3 | 16.5 | 17.0 | 18.1 | 16.4 | 18.7 | 18.5 | 17.8 |
| Efficiency | 43.3 | 43.0 | 42.3 | 40.0 | 38.1 | 36.2 | 37.6 | 38.3 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.1 | 1.0 | 1.1 | 0.8 | 0.9 | 0.9 | 0.9 | 0.8 |
| Charge-offs | 0.3 | 0.3 | 0.2 | 0.2 | 0.2 | 0.1 | 0.2 | 0.2 |
| Loan/Deposit | 117.0 | 115.8 | 110.0 | 112.7 | 112.8 | 109.9 | 112.9 | 113.3 |
Balance Sheet
Total Assets$4.9B
Total Deposits$3.9B
Total Loans$4.4B
Total Equity$536.0M
Profitability
ROA2.01%
ROE17.75%
Efficiency Ratio38.26%
Net Income$87.2M
Risk & Asset Quality
NPL Ratio0.81%
Charge-off Rate0.22%
Loan/Deposit113.29%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans