South Saint Paul, MN · Cert 12923
FDIC · 71 branches
Q1 2025
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2024 SOD (annual) · 2.2% share · #7 of 132 inst. · $5.5B of $248.4B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.66% | 0.73% | 1.11% | -1.41% | 0.85% | +19 bps | |
| Return on Equity | 7.85% | 8.80% | 12.93% | -16.83% | 10.48% | +263 bps | |
| Net Interest Margin | 2.57% | 2.61% | 2.63% | 2.73% | 2.75% | +19 bps | |
| Efficiency Ratio | 72.06% | 71.43% | 53.30% | 66.10% | 65.54% | -651 bps | |
| Non-Interest Burden | 1.68% | 1.69% | 0.86% | 4.16% | 1.61% | -7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.12% | 0.16% | -0.72% | 0.46% | 1.97% | -16 bps | |
| Loan Growth (YoY) | 7.37% | 3.53% | 0.99% | 2.69% | 1.86% | -552 bps | |
| Deposit Growth (YoY) | -1.09% | 1.22% | 3.57% | 1.65% | 2.42% | +351 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.57% | 0.51% | 0.47% | 0.61% | 0.83% | +27 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.12% | 0.38% | 0.00% | 0.51% | +52 bps | |
| Allowance / Loans | 0.92% | 0.90% | 0.92% | 1.00% | 0.92% | 0 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.8x | 2.0x | 1.7x | 1.1x | -0.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.20% | 9.21% | 9.30% | 9.27% | 9.46% | +26 bps | |
| Total Risk-Based Capital | 12.75% | 12.91% | 13.24% | 13.05% | 13.24% | +49 bps | |
| Equity / Assets | 8.34% | 8.32% | 8.81% | 7.93% | 8.26% | -8 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.91% | 90.46% | 85.77% | 88.35% | 88.43% | -49 bps | |
| Liquid Assets / Assets | 13.87% | 13.28% | 12.85% | 12.44% | 11.97% | -190 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |