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NEXTIER BANK, NATIONAL ASSOCIATION
Kittanning, PA·FDIC Cert #7900·Charter: OCC·Est. 18970101.0·HC: NEXTIER INC
Total Assets
$2.9B
Q4 2025
Return on Assets
1.41%
+0.03%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
48.32%
Peer avg: 58.3%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
61
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.41%+0.03
ROE
14.22%+0.21
Efficiency
48.32%+0.19
Equity/Assets
0.00%+0.00
NPL Ratio
1.26%-0.09
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
85.12%-0.14
Charge-offs
0.05%+0.05
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 | 0.5 | 0.6 | 0.9 | 1.0 | 1.2 | 1.3 | 1.4 | 1.4 |
| ROE | 5.6 | 7.1 | 10.0 | 11.0 | 12.8 | 13.5 | 14.0 | 14.2 |
| Efficiency | 59.0 | 64.7 | 56.8 | 54.4 | 51.3 | 49.8 | 48.1 | 48.3 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.6 | 0.6 | 1.1 | 1.0 | 1.0 | 1.1 | 1.4 | 1.3 |
| Charge-offs | 0.0 | 0.0 | 0.1 | 0.1 | -0.0 | -0.0 | 0.0 | 0.1 |
| Loan/Deposit | 91.0 | 92.7 | 85.7 | 82.6 | 84.7 | 87.7 | 85.3 | 85.1 |
Balance Sheet
Total Assets$2.9B
Total Deposits$2.5B
Total Loans$2.2B
Total Equity$294.8M
Profitability
ROA1.41%
ROE14.22%
Efficiency Ratio48.32%
Net Income$40.5M
Risk & Asset Quality
NPL Ratio1.26%
Charge-off Rate0.05%
Loan/Deposit85.12%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans