Ganado, TX · Cert 16934
FDIC · 2 branches
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 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.10% | 0.08% | 0.05% | -0.36% | -0.38% | -0.32% | -0.21% | -0.28% | +9 bps | |
| Return on Equity | 2.22% | 1.73% | 1.12% | -7.20% | -7.34% | -5.72% | -3.68% | -4.67% | +253 bps | |
| Net Interest Margin | 3.12% | 3.15% | 3.11% | 2.78% | 2.83% | 2.82% | 2.78% | 2.86% | +8 bps | |
| Efficiency Ratio | 96.80% | 97.92% | 98.71% | 114.45% | 115.16% | 112.88% | 108.50% | 111.23% | -321 bps | |
| Non-Interest Burden | 3.00% | 3.07% | 3.05% | 3.21% | 3.29% | 3.21% | 3.03% | 3.19% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.19% | -9.42% | -9.85% | -9.82% | -5.93% | -1.62% | 1.25% | 7.30% | +1,712 bps | |
| Loan Growth (YoY) | 23.28% | 4.86% | 7.18% | -0.02% | 9.04% | 10.61% | 13.53% | 14.74% | +1,476 bps | |
| Deposit Growth (YoY) | -9.79% | -8.68% | -10.50% | -10.16% | -7.10% | -4.97% | 0.62% | 6.24% | +1,639 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.52% | 1.58% | 1.58% | 1.59% | 1.36% | 1.35% | 0.00% | 0.00% | -159 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 2.20% | 2.23% | 2.07% | 2.15% | 1.87% | 1.90% | 1.84% | 1.90% | -25 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.4x | 1.3x | 1.3x | 1.4x | 1.4x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.36% | 9.57% | 9.58% | 9.77% | 9.80% | 9.67% | 9.42% | 9.31% | -46 bps | |
| Total Risk-Based Capital | 30.97% | 31.66% | 31.64% | 31.94% | 30.17% | 30.27% | 31.38% | 31.77% | -17 bps | |
| Equity / Assets | 4.45% | 3.61% | 5.10% | 4.92% | 5.45% | 6.77% | 5.80% | 6.00% | +108 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 17.68% | 17.15% | 18.00% | 17.68% | 20.75% | 19.97% | 20.31% | 19.09% | +141 bps | |
| Liquid Assets / Assets | 4.65% | 9.33% | 6.58% | 7.66% | 5.52% | 11.28% | 13.61% | 17.40% | +975 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |