Newcastle, TX · Cert 14404
FDIC · 1 branch
Q1 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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.65% | 0.79% | 0.80% | 0.70% | 0.77% | +12 bps | |
| Return on Equity | 18.13% | 21.90% | 19.72% | 17.58% | 24.49% | +636 bps | |
| Net Interest Margin | 2.85% | 2.93% | 2.93% | 3.00% | 3.38% | +53 bps | |
| Efficiency Ratio | 76.48% | 74.46% | 74.36% | 77.79% | 74.84% | -164 bps | |
| Non-Interest Burden | 2.12% | 2.11% | 2.10% | 2.26% | 2.47% | +35 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.15% | -7.65% | -10.78% | -6.67% | -4.41% | -225 bps | |
| Loan Growth (YoY) | -13.82% | -10.58% | 0.86% | 7.41% | 10.40% | +2,421 bps | |
| Deposit Growth (YoY) | -0.87% | -7.94% | -14.92% | -5.98% | -5.04% | -416 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.41% | 0.32% | 0.00% | 0.00% | 0.07% | -34 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.78% | 0.52% | -0.01% | -0.06% | -6 bps | |
| Allowance / Loans | 1.21% | 0.95% | 0.87% | 1.06% | 1.13% | -8 bps | |
| Allowance Coverage of NPLs | 2.9x | 3.0x | n/a | n/a | 15.6x | +12.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.02% | 11.62% | 11.86% | 12.01% | 11.46% | +44 bps | |
| Total Risk-Based Capital | 11.02% | 11.62% | 11.86% | 12.01% | 11.46% | +44 bps | |
| Equity / Assets | 3.48% | 3.68% | 5.38% | 3.62% | 2.65% | -83 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 43.90% | 42.20% | 46.67% | 48.76% | 51.04% | +714 bps | |
| Liquid Assets / Assets | 1.88% | 1.96% | 1.01% | 0.00% | 0.00% | -188 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |