Killeen, TX · Cert 22551
FDIC · 4 branches
Q3 2024
Market Position · Killeen-Temple, TX · 2024 SOD (annual) · 5.3% share · #5 of 22 inst. · $0.4B of $6.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.42% | 1.23% | 1.36% | 1.20% | 1.24% | -17 bps | |
| Return on Equity | 14.09% | 11.81% | 12.96% | 11.28% | 11.52% | -258 bps | |
| Net Interest Margin | 3.17% | 3.18% | 3.22% | 3.12% | 3.24% | +6 bps | |
| Efficiency Ratio | 51.47% | 55.77% | 53.13% | 56.28% | 54.49% | +303 bps | |
| Non-Interest Burden | 1.45% | 1.61% | 1.53% | 1.59% | 1.59% | +14 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.73% | -9.46% | -2.30% | -3.40% | 1.10% | +1,082 bps | |
| Loan Growth (YoY) | 4.17% | 0.19% | -0.74% | -4.41% | 6.37% | +220 bps | |
| Deposit Growth (YoY) | -12.66% | -11.20% | -3.29% | -0.45% | 1.94% | +1,460 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.05% | 0.00% | 0.00% | 0.04% | +4 bps | |
| Allowance / Loans | 0.46% | 0.46% | 0.45% | 0.45% | 0.45% | -1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.25% | 10.70% | 10.68% | 10.90% | 10.94% | +69 bps | |
| Total Risk-Based Capital | 19.47% | 20.32% | 19.86% | 20.32% | 19.75% | +28 bps | |
| Equity / Assets | 10.16% | 10.73% | 10.28% | 10.94% | 10.66% | +50 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 50.03% | 50.52% | 47.85% | 50.95% | 52.20% | +218 bps | |
| Liquid Assets / Assets | 47.54% | 47.07% | 50.04% | 47.72% | 46.80% | -73 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |