Total Assets
$14.5B
Q4 2025
Return on Assets
0.63%
+0.37%Peer avg: 1.25%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
37.43%
Peer avg: 54.8%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
50
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.63%+0.37
ROE
3.28%+1.93
Efficiency
37.43%-14.75
Equity/Assets
0.00%+0.00
NPL Ratio
2.79%+0.15
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
110.62%+41.64
Charge-offs
0.34%-0.14
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 | 17.8 | 10.5 | 5.3 | 5.6 | -0.3 | 0.2 | 0.3 | 0.6 |
| ROE | 95.5 | 53.6 | 27.1 | 28.4 | -1.6 | 1.0 | 1.4 | 3.3 |
| Efficiency | 4.6 | 6.3 | 10.4 | 8.9 | 197.3 | 48.6 | 52.2 | 37.4 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 14.9 | 15.7 | 13.9 | 13.3 | 10.9 | 11.0 | 2.6 | 2.8 |
| Charge-offs | -0.0 | -0.1 | 0.2 | 0.2 | -0.0 | 1.3 | 0.5 | 0.3 |
| Loan/Deposit | 43.1 | 26.8 | 31.1 | 33.2 | 40.4 | 61.0 | 69.0 | 110.6 |
Balance Sheet
Total Assets$14.5B
Total Deposits$3.6B
Total Loans$3.9B
Total Equity$2.8B
Profitability
ROA0.63%
ROE3.28%
Efficiency Ratio37.43%
Net Income$101.4M
Risk & Asset Quality
NPL Ratio2.79%
Charge-off Rate0.34%
Loan/Deposit110.62%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans