Total Assets
$9.3B
Q4 2025
Return on Assets
1.24%
+0.13%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
47.85%
Peer avg: 56.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
75
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.24%+0.13
ROE
25.47%+2.26
Efficiency
47.85%-2.57
Equity/Assets
0.00%+0.00
NPL Ratio
0.47%+0.03
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
32.39%+1.42
Charge-offs
-0.18%+0.06
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 | 1.4 | 1.3 | 1.2 | 1.4 | 1.1 | 1.1 | 1.1 | 1.2 |
| ROE | 31.1 | 27.3 | 25.6 | 30.6 | 23.7 | 22.7 | 23.2 | 25.5 |
| Efficiency | 45.4 | 47.2 | 48.9 | 45.3 | 53.0 | 52.2 | 50.4 | 47.9 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.4 | 0.5 | 0.6 | 0.4 | 0.4 | 0.4 | 0.4 | 0.5 |
| Charge-offs | -0.0 | -0.0 | -0.0 | -0.0 | -0.6 | -0.4 | -0.2 | -0.2 |
| Loan/Deposit | 29.7 | 28.3 | 28.5 | 28.8 | 31.5 | 31.4 | 31.0 | 32.4 |
Balance Sheet
Total Assets$9.3B
Total Deposits$8.8B
Total Loans$2.8B
Total Equity$491.1M
Profitability
ROA1.24%
ROE25.47%
Efficiency Ratio47.85%
Net Income$111.4M
Risk & Asset Quality
NPL Ratio0.47%
Charge-off Rate-0.18%
Loan/Deposit32.39%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans