Ursa, IL · Cert 23244
FDIC · 2 branches
Q1 2025
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 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.75% | 1.11% | 0.76% | 0.89% | 0.92% | 0.97% | 1.09% | 1.02% | +13 bps | |
| Return on Equity | 5.61% | 8.38% | 5.83% | 7.32% | 7.49% | 7.76% | 8.68% | 7.92% | +60 bps | |
| Net Interest Margin | 3.18% | 3.48% | 3.53% | 3.50% | 3.47% | 3.37% | 3.27% | 3.28% | -22 bps | |
| Efficiency Ratio | 73.05% | 66.80% | 80.38% | 69.19% | 67.33% | 65.31% | 67.68% | 62.03% | -717 bps | |
| Non-Interest Burden | 2.23% | 2.21% | 2.77% | 2.33% | 2.24% | 2.09% | 2.11% | 1.94% | -39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.31% | 7.27% | 1.29% | -3.30% | -6.15% | -6.17% | 0.21% | 5.47% | +877 bps | |
| Loan Growth (YoY) | -3.54% | -6.32% | -7.52% | -3.84% | -3.19% | -2.96% | -2.48% | -8.60% | -476 bps | |
| Deposit Growth (YoY) | 3.14% | 7.20% | 2.53% | -2.70% | -6.14% | -6.76% | -0.58% | 4.85% | +754 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.71% | 0.08% | 0.12% | 0.11% | 0.29% | 0.21% | 0.15% | 0.33% | +22 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.07% | -0.19% | 0.00% | 0.00% | 0.00% | 0.05% | 0.00% | 0 bps | |
| Allowance / Loans | 1.26% | 1.13% | 1.22% | 1.19% | 1.19% | 1.22% | 1.20% | 1.25% | +6 bps | |
| Allowance Coverage of NPLs | 0.3x | 14.4x | 10.6x | 10.6x | 4.1x | 6.0x | 8.1x | 3.8x | -6.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.23% | 15.51% | 13.07% | 14.01% | 14.53% | 14.49% | 14.17% | 14.36% | +36 bps | |
| Total Risk-Based Capital | 15.23% | 15.51% | 13.07% | 14.01% | 14.53% | 14.49% | 14.17% | 14.36% | +36 bps | |
| Equity / Assets | 12.98% | 13.00% | 11.83% | 12.47% | 12.52% | 13.20% | 12.62% | 13.01% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.39% | 59.22% | 59.45% | 64.07% | 63.32% | 61.63% | 58.31% | 55.85% | -822 bps | |
| Liquid Assets / Assets | 15.21% | 16.51% | 16.11% | 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 | n/a | n/a | n/a |