Alvin, TX · Cert 18282
FDIC · 2 branches
Q4 2024
Market Position · Houston-Pasadena-The Woodlands, TX · 2024 SOD (annual) · 0.0% share · #71 of 108 inst. · $0.1B 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 | 0.47% | 0.43% | 0.37% | 0.42% | 0.49% | 0.49% | 0.44% | 0.27% | -14 bps | |
| Return on Equity | 22.24% | 19.49% | 21.86% | 19.93% | 14.28% | 14.26% | 10.85% | 7.01% | -1,292 bps | |
| Net Interest Margin | 1.57% | 1.59% | 1.62% | 1.66% | 1.76% | 1.83% | 1.86% | 1.90% | +24 bps | |
| Efficiency Ratio | 69.55% | 72.03% | 75.12% | 73.31% | 70.99% | 70.97% | 74.31% | 84.45% | +1,114 bps | |
| Non-Interest Burden | 1.03% | 1.08% | 1.16% | 1.13% | 1.19% | 1.24% | 1.33% | 1.57% | +44 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.73% | -8.86% | -10.25% | -7.58% | -6.39% | -7.59% | 3.11% | 1.09% | +868 bps | |
| Loan Growth (YoY) | 14.76% | 10.20% | 12.38% | -3.42% | -3.34% | -11.47% | -8.96% | -0.69% | +273 bps | |
| Deposit Growth (YoY) | -2.06% | -8.71% | -13.04% | -9.59% | -6.81% | -8.74% | -0.78% | 1.41% | +1,100 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | +1 bps | |
| Allowance / Loans | 1.11% | 1.11% | 1.09% | 1.16% | 1.17% | 1.28% | 1.21% | 1.08% | -9 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.52% | 9.82% | 10.61% | 11.21% | 10.48% | 10.88% | 11.22% | 11.41% | +20 bps | |
| Total Risk-Based Capital | 9.52% | 9.82% | 10.61% | 11.21% | 10.48% | 10.88% | 11.22% | 11.41% | +20 bps | |
| Equity / Assets | 2.69% | 2.35% | 0.06% | 3.67% | 3.17% | 3.55% | 5.88% | 3.37% | -30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 14.54% | 14.93% | 17.49% | 15.17% | 15.09% | 14.49% | 16.05% | 14.86% | -31 bps | |
| Liquid Assets / Assets | 10.43% | 11.17% | 3.00% | 12.87% | 16.62% | 15.99% | 12.69% | 24.76% | +1,188 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |