Total Assets
$19.7B
Q4 2025
Return on Assets
0.90%
-0.02%Peer avg: 1.15%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
71.94%
Peer avg: 54.3%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
54
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.90%-0.02
ROE
7.33%-0.17
Efficiency
71.94%+1.04
Equity/Assets
0.00%+0.00
NPL Ratio
0.09%+0.02
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
80.36%-0.48
Charge-offs
0.02%+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 | 0.8 | 0.9 | 0.9 | 0.9 | 1.2 | 1.0 | 0.9 | 0.9 |
| ROE | 6.8 | 7.5 | 7.7 | 7.7 | 9.3 | 8.0 | 7.5 | 7.3 |
| Efficiency | 74.8 | 73.0 | 73.0 | 72.9 | 68.4 | 70.6 | 70.9 | 71.9 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 80.5 | 80.0 | 79.9 | 79.4 | 79.2 | 80.6 | 80.8 | 80.4 |
Balance Sheet
Total Assets$19.7B
Total Deposits$16.6B
Total Loans$13.3B
Total Equity$2.4B
Profitability
ROA0.90%
ROE7.33%
Efficiency Ratio71.94%
Net Income$169.5M
Risk & Asset Quality
NPL Ratio0.09%
Charge-off Rate0.02%
Loan/Deposit80.36%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans