Orchard, NE · Cert 16905
FDIC · 1 branch
Q3 2024
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 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.02% | 1.17% | 1.20% | 1.24% | 1.06% | 1.40% | 1.27% | 1.31% | +6 bps | |
| Return on Equity | 8.22% | 9.12% | 9.41% | 9.80% | 8.32% | 10.95% | 10.10% | 10.18% | +38 bps | |
| Net Interest Margin | 2.65% | 2.58% | 2.57% | 2.62% | 2.67% | 2.88% | 2.91% | 3.06% | +44 bps | |
| Efficiency Ratio | 67.50% | 60.85% | 59.80% | 58.09% | 64.52% | 56.55% | 56.97% | 57.43% | -66 bps | |
| Non-Interest Burden | 1.66% | 1.44% | 1.40% | 1.37% | 1.60% | 1.48% | 1.52% | 1.61% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.84% | -0.36% | 1.09% | 3.58% | 5.67% | 5.35% | 4.27% | -2.67% | -625 bps | |
| Loan Growth (YoY) | -12.18% | -4.40% | -5.49% | 30.37% | 23.58% | 44.57% | 40.69% | 13.74% | -1,663 bps | |
| Deposit Growth (YoY) | -5.49% | -1.12% | 0.32% | 3.27% | 9.90% | 5.26% | 4.40% | -3.70% | -697 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.17% | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0.47% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | -0.01% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 2.85% | 3.01% | 2.98% | 2.29% | 2.31% | 2.09% | 2.13% | 2.02% | -27 bps | |
| Allowance Coverage of NPLs | 17.1x | n/a | 205.0x | n/a | n/a | n/a | 4.6x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.21% | 12.73% | 12.44% | 12.58% | 12.39% | 12.93% | 12.08% | 13.19% | +61 bps | |
| Total Risk-Based Capital | 12.21% | 12.73% | 12.44% | 12.58% | 12.39% | 12.93% | 12.08% | 13.19% | +61 bps | |
| Equity / Assets | 13.06% | 12.66% | 12.43% | 12.59% | 12.96% | 12.66% | 12.26% | 13.45% | +86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 28.30% | 24.26% | 23.41% | 30.57% | 31.83% | 33.32% | 31.55% | 36.11% | +554 bps | |
| Liquid Assets / Assets | 75.16% | 74.98% | 75.74% | 69.78% | 68.06% | 67.54% | 69.51% | 66.24% | -355 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |