Total Assets
$8.4B
Q4 2025
Return on Assets
4.62%
-0.04%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
57.89%
Peer avg: 56.7%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
71
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
4.62%-0.04
ROE
55.65%-1.89
Efficiency
57.89%+0.18
Equity/Assets
0.00%+0.00
NPL Ratio
0.77%+0.15
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
47.15%-5.23
Charge-offs
1.36%+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 | 3.7 | 4.1 | 4.7 | 4.6 | 4.9 | 4.7 | 4.7 | 4.6 |
| ROE | 46.3 | 53.6 | 59.1 | 58.0 | 63.6 | 60.8 | 57.5 | 55.6 |
| Efficiency | 64.4 | 62.1 | 59.1 | 59.9 | 56.9 | 56.9 | 57.7 | 57.9 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.7 | 0.6 | 0.6 | 0.7 | 0.5 | 0.5 | 0.6 | 0.8 |
| Charge-offs | 2.2 | 2.0 | 1.8 | 1.8 | 1.6 | 1.3 | 1.3 | 1.4 |
| Loan/Deposit | 58.8 | 60.8 | 59.6 | 49.4 | 58.7 | 57.3 | 52.4 | 47.2 |
Balance Sheet
Total Assets$8.4B
Total Deposits$6.3B
Total Loans$3.0B
Total Equity$766.6M
Profitability
ROA4.62%
ROE55.65%
Efficiency Ratio57.89%
Net Income$378.2M
Risk & Asset Quality
NPL Ratio0.77%
Charge-off Rate1.36%
Loan/Deposit47.15%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans