Total Assets
$7.6B
Q4 2025
Return on Assets
1.84%
+0.01%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
30.41%
Peer avg: 57.1%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
65
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.84%+0.01
ROE
17.33%+0.14
Efficiency
30.41%-0.30
Equity/Assets
0.00%+0.00
NPL Ratio
0.86%+0.55
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
94.27%+1.15
Charge-offs
0.03%-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 | 2.0 | 2.0 | 2.0 | 1.9 | 1.7 | 1.8 | 1.8 | 1.8 |
| ROE | 19.2 | 19.0 | 18.7 | 18.0 | 15.6 | 16.5 | 17.2 | 17.3 |
| Efficiency | 28.0 | 28.1 | 28.4 | 31.0 | 33.7 | 32.0 | 30.7 | 30.4 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.8 | 0.4 | 0.2 | 1.4 | 0.9 | 0.3 | 0.9 |
| Charge-offs | 0.3 | 0.5 | 0.3 | 0.3 | -0.0 | -0.0 | 0.0 | 0.0 |
| Loan/Deposit | 90.5 | 91.2 | 93.7 | 94.3 | 91.7 | 93.3 | 93.1 | 94.3 |
Balance Sheet
Total Assets$7.6B
Total Deposits$6.4B
Total Loans$6.0B
Total Equity$789.5M
Profitability
ROA1.84%
ROE17.33%
Efficiency Ratio30.41%
Net Income$133.6M
Risk & Asset Quality
NPL Ratio0.86%
Charge-off Rate0.03%
Loan/Deposit94.27%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans