Defiance, OH · Cert 29845
FDIC · 74 branches
Q4 2024
Market Position · Youngstown-Warren, OH · 2024 SOD (annual) · 16.6% share · #3 of 11 inst. · $1.8B of $10.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.88% | 1.13% | 1.16% | 0.94% | 0.86% | 0.79% | 0.83% | 0.99% | +4 bps | |
| Return on Equity | 8.05% | 10.16% | 10.29% | 8.18% | 7.27% | 6.72% | 7.02% | 8.20% | +3 bps | |
| Net Interest Margin | 2.81% | 2.66% | 2.64% | 2.59% | 2.43% | 2.40% | 2.46% | 2.57% | -2 bps | |
| Efficiency Ratio | 58.34% | 53.61% | 54.62% | 57.16% | 61.83% | 59.58% | 64.58% | 58.23% | +107 bps | |
| Non-Interest Burden | 1.50% | 1.20% | 1.22% | 1.29% | 1.31% | 1.23% | 1.43% | 1.28% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.05% | 7.92% | 4.31% | 2.32% | 1.04% | 1.94% | 2.01% | -0.55% | -287 bps | |
| Loan Growth (YoY) | 20.78% | 13.14% | 7.70% | 4.54% | 1.89% | -0.24% | -1.79% | -4.23% | -877 bps | |
| Deposit Growth (YoY) | 7.24% | 7.10% | 4.78% | 3.09% | 5.73% | 2.20% | 1.14% | -3.98% | -707 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.51% | 0.54% | 0.60% | 0.54% | 0.61% | 0.98% | 1.24% | 1.24% | +71 bps | |
| Net Charge-Offs / Loans | 0.15% | -0.01% | -0.02% | 0.12% | 0.02% | 0.15% | 0.04% | 0.07% | -6 bps | |
| Allowance / Loans | 1.11% | 1.11% | 1.12% | 1.11% | 1.12% | 1.13% | 1.12% | 1.13% | +2 bps | |
| Allowance Coverage of NPLs | 2.2x | 2.1x | 1.9x | 2.1x | 1.8x | 1.2x | 0.9x | 0.9x | -1.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.50% | 9.95% | 10.10% | 10.42% | 10.41% | 10.42% | 10.22% | 10.54% | +12 bps | |
| Total Risk-Based Capital | 11.75% | 12.51% | 12.81% | 13.52% | 13.71% | 13.72% | 13.74% | 14.28% | +76 bps | |
| Equity / Assets | 10.98% | 11.35% | 11.23% | 11.86% | 11.83% | 11.68% | 11.95% | 12.09% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.06% | 96.77% | 95.88% | 95.70% | 94.50% | 94.46% | 93.10% | 95.45% | -25 bps | |
| Liquid Assets / Assets | 0.96% | 0.52% | 0.50% | 0.35% | 0.36% | 0.95% | 0.47% | 0.61% | +27 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |