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TriState Capital Bank
Pittsburgh, PA·FDIC Cert #58457·Charter: STATE·Est. 20070122.0·HC: RAYMOND JAMES FINANCIAL INC
Total Assets
$23.3B
Q4 2025
Return on Assets
0.78%
+0.02%Peer avg: 1.17%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
47.15%
Peer avg: 53.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
60
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.78%+0.02
ROE
11.19%+0.23
Efficiency
47.15%-1.12
Equity/Assets
0.00%+0.00
NPL Ratio
0.48%+0.10
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
82.77%+2.14
Charge-offs
0.09%+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 | 0.8 | 0.9 | 0.8 | 0.7 | 0.7 | 0.8 | 0.8 |
| ROE | 13.0 | 12.8 | 13.2 | 12.6 | 10.2 | 10.4 | 11.0 | 11.2 |
| Efficiency | 48.9 | 48.8 | 47.6 | 47.8 | 49.4 | 48.7 | 48.3 | 47.2 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.3 | 0.4 | 0.4 | 0.3 | 0.3 | 0.4 | 0.5 |
| Charge-offs | -0.0 | -0.0 | 0.0 | 0.1 | 0.2 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 73.3 | 77.9 | 75.8 | 77.4 | 80.0 | 80.9 | 80.6 | 82.8 |
Balance Sheet
Total Assets$23.3B
Total Deposits$21.5B
Total Loans$17.8B
Total Equity$1.6B
Profitability
ROA0.78%
ROE11.19%
Efficiency Ratio47.15%
Net Income$168.3M
Risk & Asset Quality
NPL Ratio0.48%
Charge-off Rate0.09%
Loan/Deposit82.77%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans