Oakland Park, FL · Cert 26398
FDIC · 1 branch
Q1 2025
Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2024 SOD (annual) · 0.1% share · #48 of 84 inst. · $0.4B of $329.6B
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 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.31% | 1.24% | 1.17% | 0.84% | 0.90% | 0.98% | 0.94% | 0.82% | -1 bps | |
| Return on Equity | 12.25% | 11.56% | 10.68% | 7.33% | 7.75% | 8.26% | 7.78% | 6.46% | -87 bps | |
| Net Interest Margin | 3.46% | 3.32% | 3.18% | 2.86% | 2.92% | 3.00% | 3.04% | 2.80% | -5 bps | |
| Efficiency Ratio | 48.04% | 49.67% | 51.00% | 59.80% | 59.47% | 57.68% | 59.77% | 63.70% | +390 bps | |
| Non-Interest Burden | 1.59% | 1.54% | 1.53% | 1.65% | 1.67% | 1.64% | 1.73% | 1.70% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -16.84% | -13.64% | -3.70% | -1.09% | -1.57% | -5.01% | -6.48% | -3.49% | -240 bps | |
| Loan Growth (YoY) | 19.75% | 14.64% | 9.38% | 7.37% | 8.24% | -2.54% | -5.10% | -6.59% | -1,395 bps | |
| Deposit Growth (YoY) | -19.79% | -16.33% | -5.22% | -1.53% | -2.60% | -7.42% | -7.87% | -5.27% | -374 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 1.76% | 0.15% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.17% | 0.11% | 0.08% | 0.00% | 0.00% | 0.00% | 0.16% | 0.00% | 0 bps | |
| Allowance / Loans | 0.76% | 0.74% | 0.76% | 0.78% | 0.76% | 0.81% | 0.67% | 0.66% | -11 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 0.4x | 5.3x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.80% | 13.30% | 13.38% | 13.21% | 13.64% | 14.25% | 14.66% | 14.69% | +148 bps | |
| Total Risk-Based Capital | 16.80% | 16.30% | 17.13% | 16.72% | 16.88% | 18.46% | 18.56% | 18.32% | +160 bps | |
| Equity / Assets | 11.11% | 10.91% | 11.76% | 11.06% | 11.96% | 12.98% | 12.89% | 12.59% | +153 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.57% | 82.44% | 84.19% | 83.05% | 89.54% | 86.78% | 86.72% | 81.89% | -115 bps | |
| Liquid Assets / Assets | 1.65% | 3.13% | 2.50% | 2.16% | 1.75% | 3.24% | 1.67% | 2.19% | +3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |