Total Assets
$9.3B
Q4 2025
Return on Assets
1.16%
+0.18%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
30.83%
Peer avg: 56.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
46
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.16%+0.18
ROE
5.74%+0.88
Efficiency
30.83%-0.20
Equity/Assets
0.00%+0.00
NPL Ratio
4.64%+0.39
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
104.10%-1.48
Charge-offs
11.40%-0.17
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 | 2.5 | 2.2 | 2.7 | 1.7 | 2.4 | 0.6 | 1.0 | 1.2 |
| ROE | 13.2 | 11.4 | 13.6 | 8.9 | 12.1 | 3.2 | 4.9 | 5.7 |
| Efficiency | 30.4 | 30.7 | 30.0 | 29.7 | 29.8 | 31.4 | 31.0 | 30.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 7.1 | 5.1 | 5.5 | 5.3 | 4.7 | 4.0 | 4.3 | 4.6 |
| Charge-offs | 16.7 | 15.7 | 14.5 | 14.0 | 12.7 | 12.3 | 11.6 | 11.4 |
| Loan/Deposit | 82.9 | 93.0 | 99.0 | 92.7 | 71.7 | 104.3 | 105.6 | 104.1 |
Balance Sheet
Total Assets$9.3B
Total Deposits$7.3B
Total Loans$7.5B
Total Equity$1.9B
Profitability
ROA1.16%
ROE5.74%
Efficiency Ratio30.83%
Net Income$99.7M
Risk & Asset Quality
NPL Ratio4.64%
Charge-off Rate11.40%
Loan/Deposit104.10%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans