Frost, MN · Cert 26519
FDIC · 1 branch
Q3 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.37% | 1.88% | 0.88% | 1.11% | 1.44% | -93 bps | |
| Return on Equity | 14.11% | 11.30% | 5.43% | 6.78% | 8.74% | -537 bps | |
| Net Interest Margin | 4.61% | 4.35% | 4.05% | 4.18% | 4.25% | -36 bps | |
| Efficiency Ratio | 31.39% | 34.80% | 35.46% | 34.31% | 35.16% | +377 bps | |
| Non-Interest Burden | 1.25% | 1.32% | 1.30% | 1.30% | 1.35% | +10 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.76% | 1.92% | 5.77% | 5.72% | 5.72% | +296 bps | |
| Loan Growth (YoY) | 6.15% | -1.92% | 2.97% | 8.41% | 5.98% | -17 bps | |
| Deposit Growth (YoY) | 1.70% | 5.99% | 8.98% | 6.59% | 6.94% | +524 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.31% | 1.43% | 0.33% | 0.31% | 0.44% | +14 bps | |
| Net Charge-Offs / Loans | -0.15% | -0.11% | 3.80% | 2.35% | 1.72% | +187 bps | |
| Allowance / Loans | 1.24% | 1.75% | 1.13% | 1.10% | 1.05% | -19 bps | |
| Allowance Coverage of NPLs | 4.0x | 1.2x | 3.4x | 3.6x | 2.4x | -1.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 17.93% | 16.58% | 16.38% | 16.72% | 17.14% | -79 bps | |
| Total Risk-Based Capital | 20.22% | 19.68% | 19.10% | 18.68% | 19.18% | -104 bps | |
| Equity / Assets | 17.67% | 16.24% | 16.24% | 16.58% | 16.97% | -70 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 106.86% | 96.88% | 102.63% | 109.17% | 105.90% | -96 bps | |
| Liquid Assets / Assets | 2.92% | 2.35% | 4.17% | 3.72% | 3.23% | +32 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 16.44% | n/a | n/a |