Total Assets
$5.5B
Q4 2025
Return on Assets
1.13%
-0.01%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
56.73%
Peer avg: 57.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
58
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.13%-0.01
ROE
10.31%-0.03
Efficiency
56.73%+0.87
Equity/Assets
0.00%+0.00
NPL Ratio
0.56%-0.60
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
83.74%+3.24
Charge-offs
0.03%+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 | 0.8 | 1.0 | 1.1 | 1.1 | 1.1 | 1.2 | 1.1 | 1.1 |
| ROE | 6.8 | 8.2 | 9.5 | 8.9 | 9.9 | 10.5 | 10.3 | 10.3 |
| Efficiency | 61.8 | 60.1 | 58.6 | 58.2 | 58.7 | 56.6 | 55.9 | 56.7 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.2 | 0.5 | 0.4 | 0.9 | 0.7 | 1.2 | 0.6 |
| Charge-offs | -0.0 | 0.0 | 0.0 | 0.1 | -0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 92.5 | 90.9 | 91.6 | 90.6 | 86.8 | 84.3 | 80.5 | 83.7 |
Balance Sheet
Total Assets$5.5B
Total Deposits$4.6B
Total Loans$3.8B
Total Equity$587.7M
Profitability
ROA1.13%
ROE10.31%
Efficiency Ratio56.73%
Net Income$57.2M
Risk & Asset Quality
NPL Ratio0.56%
Charge-off Rate0.03%
Loan/Deposit83.74%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans