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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.87% | 0.93% | 0.74% | 0.70% | 0.77% | 0.58% | 0.07% | -67 bps | |
| Return on Equity | 28.14% | 22.05% | 33.22% | 21.09% | 14.44% | 15.84% | 9.31% | 1.09% | -1,999 bps | |
| Net Interest Margin | 2.18% | 2.01% | 2.07% | 1.95% | 1.93% | 1.97% | 1.95% | 2.08% | +13 bps | |
| Efficiency Ratio | 50.30% | 54.08% | 54.39% | 60.63% | 61.89% | 59.95% | 70.12% | 100.98% | +4,035 bps | |
| Non-Interest Burden | 0.97% | 0.97% | 1.01% | 1.07% | 1.09% | 1.06% | 1.25% | 2.11% | +103 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% | 0.03% | -0.01% | 0.01% | 0.00% | 0.00% | 0.03% | -0.03% | -4 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 |