Total Assets
$4.8B
Q4 2025
Return on Assets
4.12%
+0.13%Peer avg: 1.23%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
32.11%
Peer avg: 57.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
61
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
4.12%+0.13
ROE
22.98%+0.77
Efficiency
32.11%-1.70
Equity/Assets
0.00%+0.00
NPL Ratio
2.81%-0.02
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
114.25%+2.73
Charge-offs
0.76%-0.03
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 | 4.9 | 4.9 | 4.9 | 4.8 | 4.1 | 4.0 | 4.0 | 4.1 |
| ROE | 26.5 | 26.6 | 26.1 | 25.6 | 22.3 | 22.4 | 22.2 | 23.0 |
| Efficiency | 32.8 | 32.3 | 32.4 | 32.6 | 33.0 | 33.9 | 33.8 | 32.1 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.7 | 1.8 | 1.8 | 2.3 | 2.7 | 2.8 | 2.8 | 2.8 |
| Charge-offs | 0.1 | 0.1 | 0.1 | 0.1 | 1.1 | 0.6 | 0.8 | 0.8 |
| Loan/Deposit | 103.4 | 107.0 | 106.1 | 102.7 | 107.9 | 114.8 | 111.5 | 114.3 |
Balance Sheet
Total Assets$4.8B
Total Deposits$3.4B
Total Loans$3.9B
Total Equity$850.5M
Profitability
ROA4.12%
ROE22.98%
Efficiency Ratio32.11%
Net Income$176.2M
Risk & Asset Quality
NPL Ratio2.81%
Charge-off Rate0.76%
Loan/Deposit114.25%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans