Coldwater, KS · Cert 14636
FDIC · 1 branch
Q1 2025
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 | 0.47% | 0.18% | 0.57% | 0.48% | 0.91% | +44 bps | |
| Return on Equity | 4.10% | 1.51% | 4.55% | 3.79% | 7.37% | +327 bps | |
| Net Interest Margin | 2.80% | 2.73% | 2.75% | 2.85% | 3.25% | +45 bps | |
| Efficiency Ratio | 83.54% | 93.30% | 82.47% | 82.58% | 71.17% | -1,237 bps | |
| Non-Interest Burden | 2.18% | 2.47% | 1.99% | 2.22% | 2.08% | -10 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.88% | -3.25% | 1.67% | -0.69% | 4.34% | +146 bps | |
| Loan Growth (YoY) | -2.01% | -6.14% | -1.66% | 4.69% | 21.49% | +2,351 bps | |
| Deposit Growth (YoY) | 3.31% | -4.59% | -1.82% | -0.75% | 3.90% | +58 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.11% | 0.11% | 0.06% | 0.02% | 0.80% | +69 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | +1 bps | |
| Allowance / Loans | 1.48% | 1.49% | 1.41% | 1.33% | 1.21% | -27 bps | |
| Allowance Coverage of NPLs | 13.0x | 13.4x | 24.4x | 55.6x | 1.5x | -11.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.06% | 13.88% | 13.88% | 13.59% | 13.11% | +5 bps | |
| Total Risk-Based Capital | 13.06% | 13.88% | 13.88% | 13.59% | 13.11% | +5 bps | |
| Equity / Assets | 11.48% | 12.17% | 12.85% | 12.30% | 12.36% | +88 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 57.26% | 61.97% | 63.29% | 63.30% | 66.96% | +970 bps | |
| Liquid Assets / Assets | 1.66% | 1.74% | 1.67% | 1.69% | 1.62% | -4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |