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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.17% | 1.35% | 1.35% | 1.37% | 1.34% | 1.36% | 1.29% | 1.27% | -10 bps | |
| Return on Equity | 13.19% | 14.62% | 14.25% | 14.20% | 13.59% | 12.96% | 12.11% | 11.91% | -229 bps | |
| Net Interest Margin | 2.73% | 3.13% | 3.19% | 3.21% | 3.29% | 3.22% | 3.18% | 3.18% | -3 bps | |
| Efficiency Ratio | 53.39% | 50.85% | 51.24% | 51.32% | 52.39% | 53.13% | 54.67% | 54.61% | +329 bps | |
| Non-Interest Burden | 1.29% | 1.42% | 1.45% | 1.46% | 1.54% | 1.53% | 1.56% | 1.56% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.41% | -2.98% | -3.45% | -9.73% | -9.46% | -2.30% | -3.40% | 1.10% | +1,082 bps | |
| Loan Growth (YoY) | 1.56% | 1.56% | 10.97% | 4.17% | 0.19% | -0.74% | -4.41% | 6.37% | +220 bps | |
| Deposit Growth (YoY) | 3.03% | -3.98% | -8.37% | -12.66% | -11.20% | -3.29% | -0.45% | 1.94% | +1,460 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.01% | 0.02% | 0.00% | 0.00% | 0.02% | +1 bps | |
| Allowance / Loans | 0.40% | 0.50% | 0.47% | 0.46% | 0.46% | 0.45% | 0.45% | 0.45% | -1 bps | |
| Allowance Coverage of NPLs | 37.3x | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.21% | 9.52% | 9.95% | 10.25% | 10.70% | 10.68% | 10.90% | 10.94% | +69 bps | |
| Total Risk-Based Capital | 18.23% | 18.78% | 18.89% | 19.47% | 20.32% | 19.86% | 20.32% | 19.75% | +28 bps | |
| Equity / Assets | 9.11% | 9.43% | 9.95% | 10.16% | 10.73% | 10.28% | 10.94% | 10.66% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 44.77% | 46.62% | 53.06% | 50.03% | 50.52% | 47.85% | 50.95% | 52.20% | +218 bps | |
| Liquid Assets / Assets | 50.20% | 48.92% | 46.04% | 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 | n/a | n/a | n/a |