Total Assets
$4.0B
Q4 2025
Return on Assets
0.60%
+0.04%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
80.09%
Peer avg: 57.5%
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
0.60%+0.04
ROE
6.77%+0.44
Efficiency
80.09%-0.21
Equity/Assets
0.00%+0.00
NPL Ratio
0.72%-0.00
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
82.50%-3.47
Charge-offs
0.13%-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 | 0.3 | 0.3 | 0.3 | 0.3 | 0.4 | 0.5 | 0.6 | 0.6 |
| ROE | 3.6 | 3.2 | 3.1 | 3.6 | 5.0 | 5.5 | 6.3 | 6.8 |
| Efficiency | 88.7 | 89.7 | 89.5 | 87.8 | 83.6 | 81.8 | 80.3 | 80.1 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.5 | 0.7 | 0.7 | 0.8 | 0.8 | 0.7 | 0.7 | 0.7 |
| Charge-offs | 0.2 | 0.2 | 0.1 | 0.2 | 0.2 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 93.8 | 92.8 | 90.9 | 88.0 | 85.2 | 88.4 | 86.0 | 82.5 |
Balance Sheet
Total Assets$4.0B
Total Deposits$3.6B
Total Loans$2.9B
Total Equity$359.7M
Profitability
ROA0.60%
ROE6.77%
Efficiency Ratio80.09%
Net Income$23.1M
Risk & Asset Quality
NPL Ratio0.72%
Charge-off Rate0.13%
Loan/Deposit82.50%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans