Ann Arbor, MI · Cert 1596
FDIC · 1 branch
Q4 2025
Market Position · Ann Arbor, MI · 2025 SOD (annual) · 0.0% share · #17 of 17 inst. · $0.0B of $11.9B
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 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.88% | 11.60% | 10.23% | 4.69% | 5.94% | 8.73% | 6.21% | 5.84% | +115 bps | |
| Return on Equity | 3.02% | 12.26% | 10.82% | 4.99% | 6.44% | 9.49% | 6.81% | 6.41% | +142 bps | |
| Net Interest Margin | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% | 0.02% | 0 bps | |
| Efficiency Ratio | 93.74% | 82.41% | 83.92% | 91.53% | 89.71% | 86.44% | 89.39% | 90.07% | -146 bps | |
| Non-Interest Burden | -3.91% | -15.87% | -13.36% | -5.81% | -8.37% | -11.96% | -8.33% | -7.69% | -188 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 29.26% | 29.49% | 21.88% | 12.11% | 6.87% | 5.74% | 8.65% | 7.38% | -473 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | 3.56% | 2.77% | -13.13% | 0.40% | -3.44% | -0.77% | -7.10% | -0.59% | -99 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 97.78% | 102.45% | 98.16% | 88.57% | 99.40% | 97.81% | 94.53% | 93.78% | +521 bps | |
| Total Risk-Based Capital | 234% | 198.62% | 241% | 248% | 290% | 301% | 256% | 267% | +1,943 bps | |
| Equity / Assets | 93.80% | 93.05% | 94.39% | 91.19% | 93.18% | 91.38% | 88.75% | 90.61% | -58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | 0.00% | 0.00% | n/a | |