Hosmer, SD · Cert 12293
FDIC · 1 branch
Q3 2025
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.19% | 1.55% | 1.29% | 1.22% | 1.22% | 2.51% | 2.00% | 2.08% | +85 bps | |
| Return on Equity | 8.04% | 9.81% | 7.84% | 7.38% | 7.36% | 15.36% | 12.10% | 12.39% | +501 bps | |
| Net Interest Margin | 4.22% | 4.59% | 4.68% | 4.68% | 4.70% | 4.56% | 4.59% | 4.61% | -7 bps | |
| Efficiency Ratio | 67.16% | 58.24% | 66.79% | 68.05% | 68.51% | 56.44% | 59.59% | 57.47% | -1,058 bps | |
| Non-Interest Burden | 2.75% | 2.58% | 3.06% | 3.11% | 3.14% | 2.42% | 2.60% | 2.53% | -59 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.89% | -8.49% | -18.12% | -13.57% | -7.16% | 2.42% | 7.09% | 0.50% | +1,407 bps | |
| Loan Growth (YoY) | 2.46% | -6.17% | -26.22% | -18.03% | -15.63% | -4.21% | 22.65% | 7.71% | +2,574 bps | |
| Deposit Growth (YoY) | -7.95% | -10.14% | -11.23% | -10.25% | 5.18% | 7.53% | 4.34% | 3.89% | +1,413 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 1.18% | 0.00% | 0.00% | 1.02% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.06% | -0.05% | -0.05% | -0.05% | -0.03% | -0.03% | -0.04% | +1 bps | |
| Allowance / Loans | 2.35% | 2.49% | 3.05% | 2.76% | 2.84% | 2.21% | 2.12% | 1.98% | -77 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 2.6x | n/a | n/a | 2.2x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.91% | 15.79% | 16.30% | 16.99% | 17.22% | 16.04% | 16.38% | 16.92% | -8 bps | |
| Total Risk-Based Capital | 14.91% | 15.79% | 16.30% | 16.99% | 17.22% | 16.04% | 16.38% | 16.92% | -8 bps | |
| Equity / Assets | 15.42% | 16.16% | 17.85% | 17.09% | 16.84% | 15.90% | 16.96% | 17.32% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.21% | 84.51% | 73.11% | 80.76% | 70.75% | 75.29% | 85.94% | 83.73% | +297 bps | |
| Liquid Assets / Assets | 30.46% | 28.52% | 35.06% | 32.72% | 29.71% | 26.94% | 27.78% | 26.28% | -644 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 62.48% | n/a | n/a |