Ursa, IL · Cert 23244
FDIC · 2 branches
Q1 2025
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.89% | 0.96% | 1.08% | 1.44% | 1.02% | +13 bps | |
| Return on Equity | 7.32% | 7.67% | 8.36% | 11.18% | 7.92% | +60 bps | |
| Net Interest Margin | 3.50% | 3.37% | 3.32% | 3.28% | 3.28% | -22 bps | |
| Efficiency Ratio | 69.19% | 65.38% | 61.29% | 74.75% | 62.03% | -717 bps | |
| Non-Interest Burden | 2.33% | 2.10% | 1.88% | 2.36% | 1.94% | -39 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.30% | -6.15% | -6.17% | 0.21% | 5.47% | +877 bps | |
| Loan Growth (YoY) | -3.84% | -3.19% | -2.96% | -2.48% | -8.60% | -476 bps | |
| Deposit Growth (YoY) | -2.70% | -6.14% | -6.76% | -0.58% | 4.85% | +754 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.11% | 0.29% | 0.21% | 0.15% | 0.33% | +22 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.19% | 0.00% | 0 bps | |
| Allowance / Loans | 1.19% | 1.19% | 1.22% | 1.20% | 1.25% | +6 bps | |
| Allowance Coverage of NPLs | 10.6x | 4.1x | 6.0x | 8.1x | 3.8x | -6.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.01% | 14.53% | 14.49% | 14.17% | 14.36% | +36 bps | |
| Total Risk-Based Capital | 14.01% | 14.53% | 14.49% | 14.17% | 14.36% | +36 bps | |
| Equity / Assets | 12.47% | 12.52% | 13.20% | 12.62% | 13.01% | +53 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 64.07% | 63.32% | 61.63% | 58.31% | 55.85% | -822 bps | |
| Liquid Assets / Assets | 12.88% | 13.05% | 14.28% | 18.67% | 23.98% | +1,110 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |