Pearland, TX · Cert 18132
FDIC · 1 branch
Q4 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2024, the quarter ended December 31, 2024, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=26 to 27). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
21
Asset Quality
69
Profitability
34
Liquidity
1
Efficiency
56
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Pearland, TX · Cert 18132
FDIC · 1 branch
Q4 2024
Market Position · Houston-Pasadena-The Woodlands, TX · 2024 SOD (annual) · 0.1% share · #67 of 108 inst. · $0.2B of $314.4B
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 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.02% | 0.96% | 0.95% | 0.90% | 0.70% | 0.74% | 0.69% | 0.54% | -36 bps | |
| Return on Equity | 28.14% | 25.93% | 29.45% | 24.75% | 14.44% | 14.92% | 12.41% | 9.71% | -1,504 bps | |
| Net Interest Margin | 2.18% | 2.11% | 2.11% | 2.14% | 1.93% | 1.96% | 2.01% | 2.07% | -7 bps | |
| Efficiency Ratio | 50.30% | 52.11% | 52.86% | 54.66% | 61.89% | 60.91% | 63.97% | 73.46% | +1,880 bps | |
| Non-Interest Burden | 0.97% | 0.98% | 0.99% | 1.05% | 1.09% | 1.08% | 1.17% | 1.43% | +38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.70% | -1.33% | -1.70% | -0.69% | -2.88% | -3.26% | 0.89% | -3.97% | -328 bps | |
| Loan Growth (YoY) | 12.61% | 12.97% | 15.13% | 6.56% | 9.37% | 18.77% | 3.26% | 3.48% | -309 bps | |
| Deposit Growth (YoY) | -0.25% | -0.91% | -2.70% | -2.89% | -3.58% | -4.90% | -5.15% | -4.31% | -142 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.33% | 0.34% | 0.35% | +35 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.36% | 1.35% | 1.22% | 1.25% | 1.25% | 1.15% | 1.18% | 1.09% | -15 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 3.5x | 3.5x | 3.2x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.79% | 10.76% | 10.92% | 11.63% | 11.29% | 11.44% | 12.00% | 12.38% | +75 bps | |
| Total Risk-Based Capital | 10.79% | 10.76% | 10.92% | 11.63% | 11.29% | 11.44% | 12.00% | 12.38% | +75 bps | |
| Equity / Assets | 4.10% | 3.79% | 1.77% | 5.19% | 4.56% | 5.17% | 7.36% | 5.49% | +31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 20.37% | 21.36% | 24.52% | 23.89% | 23.11% | 26.67% | 26.69% | 25.83% | +195 bps | |
| Liquid Assets / Assets | 11.35% | 8.28% | 3.75% | 8.32% | 15.12% | 9.54% | 9.37% | 15.98% | +766 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
Pearland, TX · Cert 18132 · Peer group: banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=26-27)
FDIC · 1 branch
Q4 2024
Return on Assets
0.55%
Rank 18 of 27
Net Interest Margin
2.07%
Rank 23 of 27
Efficiency Ratio
73.46%
Rank 13 of 27
Equity / Assets
5.49%
Rank 22 of 27
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.55% | 0.37% | 1.03% | 1.49% | Beats 33% | 18 / 27 | ||
| Return on Equity | 10.05% | 4.82% | 9.12% | 14.71% | Beats 54% | 12 / 26 | ||
| Net Interest Margin | 2.07% | 2.36% | 3.18% | 4.47% | Beats 15% | 23 / 27 | ||
| Efficiency Ratio | 73.46% | 55.69% | 74.74% | 90.88% | Beats 56% | 13 / 27 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.35% | n/a | 0.11% | 0.53% | Beats 37% | 18 / 27 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.24% | Beats 100% | 7 / 27 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.38% | 12.38% | 15.59% | 19.52% | Beats 22% | 21 / 27 | ||
| Total Risk-Based Capital Ratio | 12.38% | 12.38% | 15.59% | 20.20% | Beats 22% | 21 / 27 | ||
| Equity / Assets | 5.49% | 6.82% | 10.13% | 13.56% | Beats 19% | 22 / 27 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 25.83% | 39.37% | 76.58% | 94.47% | 11th pctl | 24 / 27 | ||
| Loans / Assets | 24.32% | 37.84% | 67.75% | 78.47% | 7th pctl | 25 / 27 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||