New Cambria, MO · Cert 10626
FDIC · 2 branches
Q3 2025
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.74% | 0.54% | 0.46% | 0.43% | 1.20% | +47 bps | |
| Return on Equity | 7.23% | 5.09% | 4.51% | 3.98% | 10.05% | +282 bps | |
| Net Interest Margin | 3.73% | 3.68% | 3.52% | 4.07% | 3.57% | -16 bps | |
| Efficiency Ratio | 75.78% | 82.11% | 85.98% | 85.13% | 70.99% | -479 bps | |
| Non-Interest Burden | 2.77% | 2.99% | 3.00% | 3.44% | 2.29% | -48 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.70% | -6.89% | -1.80% | -8.18% | -5.35% | -65 bps | |
| Loan Growth (YoY) | 6.69% | 1.69% | 5.27% | 4.22% | -3.68% | -1,037 bps | |
| Deposit Growth (YoY) | -8.18% | -8.10% | -3.21% | -10.35% | -6.84% | +134 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.29% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.04% | 0.00% | 0.85% | 0.04% | +4 bps | |
| Allowance / Loans | 2.46% | 2.59% | 2.68% | 2.43% | 2.35% | -11 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 9.2x | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.11% | 12.98% | 13.16% | 14.43% | 14.38% | +127 bps | |
| Total Risk-Based Capital | 13.11% | 12.98% | 13.16% | 14.43% | 14.38% | +127 bps | |
| Equity / Assets | 10.96% | 10.28% | 10.24% | 11.57% | 12.38% | +142 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 33.92% | 32.71% | 30.05% | 33.44% | 35.07% | +115 bps | |
| Liquid Assets / Assets | 21.40% | 21.83% | 25.16% | 23.16% | 23.48% | +208 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 7.40% | n/a | n/a |