Total Assets
$3.5B
Q4 2025
Return on Assets
0.58%
+0.27%Peer avg: 1.25%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
80.35%
Peer avg: 57.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
51
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.58%+0.27
ROE
2.65%+1.12
Efficiency
80.35%-67.46
Equity/Assets
0.00%+0.00
NPL Ratio
34.50%+28.68
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
35.02%+16.13
Charge-offs
0.27%-0.08
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 | 11.9 | 7.8 | 3.3 | 4.0 | 0.6 | 0.6 | 0.3 | 0.6 |
| ROE | 62.8 | 39.1 | 17.3 | 21.6 | 3.2 | 3.1 | 1.5 | 2.6 |
| Efficiency | 7.5 | 11.1 | 21.4 | 17.4 | 490.0 | 114.5 | 147.8 | 80.4 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 6.1 | 6.2 | 3.1 | 5.3 | 13.0 | 13.0 | 5.8 | 34.5 |
| Charge-offs | -0.1 | -0.1 | 0.0 | 0.0 | -0.0 | 0.7 | 0.3 | 0.3 |
| Loan/Deposit | 34.3 | 34.1 | 46.4 | 22.3 | 9.8 | 14.8 | 18.9 | 35.0 |
Balance Sheet
Total Assets$3.5B
Total Deposits$1.1B
Total Loans$394.2M
Total Equity$1.2B
Profitability
ROA0.58%
ROE2.65%
Efficiency Ratio80.35%
Net Income$30.6M
Risk & Asset Quality
NPL Ratio34.50%
Charge-off Rate0.27%
Loan/Deposit35.02%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans