Total Assets
$20.8B
Q4 2025
Return on Assets
2.72%
+0.01%Peer avg: 1.13%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
26.07%
Peer avg: 54.2%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
78
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
2.72%+0.01
ROE
20.72%-0.39
Efficiency
26.07%+0.10
Equity/Assets
0.00%+0.00
NPL Ratio
0.20%+0.01
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
55.27%+1.59
Charge-offs
0.33%-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 | 3.1 | 3.2 | 3.2 | 3.3 | 2.9 | 2.8 | 2.7 | 2.7 |
| ROE | 32.3 | 32.3 | 31.0 | 31.2 | 24.1 | 22.2 | 21.1 | 20.7 |
| Efficiency | 21.9 | 22.0 | 21.6 | 22.3 | 24.7 | 25.1 | 26.0 | 26.1 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.3 | 0.3 | 0.3 | 0.1 | 0.2 | 0.2 | 0.2 |
| Charge-offs | 0.1 | 0.1 | 0.0 | 0.3 | 0.4 | 0.4 | 0.4 | 0.3 |
| Loan/Deposit | 37.1 | 41.2 | 41.8 | 42.9 | 46.7 | 52.2 | 53.7 | 55.3 |
Balance Sheet
Total Assets$20.8B
Total Deposits$16.0B
Total Loans$8.9B
Total Equity$3.0B
Profitability
ROA2.72%
ROE20.72%
Efficiency Ratio26.07%
Net Income$534.0M
Risk & Asset Quality
NPL Ratio0.20%
Charge-off Rate0.33%
Loan/Deposit55.27%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans