Green City, MO · Cert 16103
FDIC · 3 branches
Q3 2025
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.16% | -0.33% | 0.01% | -0.15% | -0.09% | -0.02% | 0.27% | 0.53% | +68 bps | |
| Return on Equity | -2.88% | -5.91% | 0.19% | -2.59% | -1.53% | -0.37% | 4.70% | 8.69% | +1,128 bps | |
| Net Interest Margin | 2.30% | 2.45% | 2.46% | 2.42% | 2.67% | 2.82% | 3.14% | 3.53% | +111 bps | |
| Efficiency Ratio | 106.10% | 115.09% | 101.07% | 106.04% | 108.30% | 102.46% | 91.06% | 83.66% | -2,239 bps | |
| Non-Interest Burden | 2.46% | 2.86% | 2.49% | 2.59% | 2.92% | 2.89% | 2.81% | 2.89% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.42% | -3.67% | 2.14% | -1.60% | -2.60% | 0.70% | 0.28% | 3.83% | +543 bps | |
| Loan Growth (YoY) | -2.58% | -2.88% | -5.32% | -2.30% | 1.08% | -0.28% | 7.08% | 6.02% | +832 bps | |
| Deposit Growth (YoY) | 6.83% | -0.22% | 3.17% | -2.01% | -3.47% | 0.65% | -0.09% | 3.90% | +591 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.84% | 0.77% | 0.78% | 0.80% | 0.73% | 0.82% | 0.83% | 0.79% | -2 bps | |
| Net Charge-Offs / Loans | 1.95% | 0.00% | 0.08% | -0.27% | -0.08% | -0.08% | -0.02% | 0.01% | +28 bps | |
| Allowance / Loans | 1.24% | 1.24% | 1.26% | 1.33% | 1.32% | 1.33% | 1.30% | 1.31% | -2 bps | |
| Allowance Coverage of NPLs | 1.5x | 1.6x | 1.6x | 1.7x | 1.8x | 1.6x | 1.6x | 1.7x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.68% | 7.73% | 7.72% | 7.60% | 7.78% | 7.65% | 7.64% | 7.78% | +18 bps | |
| Total Risk-Based Capital | 12.64% | 11.75% | 12.57% | 12.42% | 12.37% | 12.28% | 11.99% | 11.68% | -73 bps | |
| Equity / Assets | 5.80% | 5.54% | 5.51% | 6.17% | 5.60% | 5.65% | 5.93% | 6.31% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.74% | 68.74% | 65.71% | 67.62% | 69.88% | 68.10% | 70.43% | 69.01% | +138 bps | |
| Liquid Assets / Assets | 5.63% | 5.46% | 7.82% | 3.59% | 4.00% | 5.85% | 4.91% | 6.93% | +334 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 229% | n/a | n/a |