Total Assets
$7.8B
Q4 2025
Return on Assets
4.91%
-0.58%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
49.59%
Peer avg: 57.1%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
50
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
4.91%-0.58
ROE
34.79%-3.74
Efficiency
49.59%+0.67
Equity/Assets
0.00%+0.00
NPL Ratio
4.03%-0.21
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
159.91%+5.73
Charge-offs
7.00%-0.10
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 | 4.3 | 5.0 | 5.3 | 4.6 | 5.2 | 4.9 | 5.5 | 4.9 |
| ROE | 27.0 | 31.9 | 34.6 | 30.3 | 35.8 | 34.1 | 38.5 | 34.8 |
| Efficiency | 45.6 | 44.3 | 43.7 | 45.3 | 46.8 | 48.7 | 48.9 | 49.6 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 4.7 | 4.3 | 4.8 | 4.4 | 4.3 | 4.0 | 4.2 | 4.0 |
| Charge-offs | 7.6 | 7.6 | 7.6 | 7.5 | 7.4 | 7.2 | 7.1 | 7.0 |
| Loan/Deposit | 160.0 | 167.5 | 179.8 | 188.4 | 178.2 | 165.5 | 154.2 | 159.9 |
Balance Sheet
Total Assets$7.8B
Total Deposits$3.7B
Total Loans$6.0B
Total Equity$1.1B
Profitability
ROA4.91%
ROE34.79%
Efficiency Ratio49.59%
Net Income$375.5M
Risk & Asset Quality
NPL Ratio4.03%
Charge-off Rate7.00%
Loan/Deposit159.91%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans