Total Assets
$4.0B
Q4 2025
Return on Assets
1.11%
+0.05%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
52.18%
Peer avg: 57.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
55
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.11%+0.05
ROE
10.29%+0.33
Efficiency
52.18%-2.28
Equity/Assets
0.00%+0.00
NPL Ratio
0.44%+0.13
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
101.42%-1.93
Charge-offs
0.13%+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 | 1.4 | 1.3 | 1.2 | 1.2 | 1.0 | 1.0 | 1.1 | 1.1 |
| ROE | 13.3 | 12.3 | 10.9 | 10.8 | 9.1 | 9.4 | 10.0 | 10.3 |
| Efficiency | 53.5 | 54.7 | 54.7 | 54.9 | 57.5 | 56.5 | 54.5 | 52.2 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.4 | 0.3 | 0.2 | 0.2 | 0.2 | 0.4 | 0.3 | 0.4 |
| Charge-offs | 0.7 | 0.4 | 0.3 | 0.2 | -0.0 | 0.0 | 0.1 | 0.1 |
| Loan/Deposit | 99.5 | 99.8 | 100.0 | 101.7 | 102.5 | 103.8 | 103.4 | 101.4 |
Balance Sheet
Total Assets$4.0B
Total Deposits$3.2B
Total Loans$3.2B
Total Equity$443.5M
Profitability
ROA1.11%
ROE10.29%
Efficiency Ratio52.18%
Net Income$43.7M
Risk & Asset Quality
NPL Ratio0.44%
Charge-off Rate0.13%
Loan/Deposit101.42%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans