Cullman, AL · Cert 30166
FDIC · 1 branch
Q3 2025
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.23% | -0.11% | -0.24% | -2.46% | -0.61% | -284 bps | |
| Return on Equity | 17.82% | -0.87% | -1.90% | -18.74% | -4.48% | -2,230 bps | |
| Net Interest Margin | 3.30% | 3.42% | 3.45% | 3.48% | 3.66% | +35 bps | |
| Efficiency Ratio | 90.49% | 88.68% | 108.68% | 189.99% | 122.33% | +3,184 bps | |
| Non-Interest Burden | 2.95% | 2.99% | 3.78% | 6.91% | 4.55% | +160 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.37% | -5.42% | -6.60% | -14.12% | -16.52% | -915 bps | |
| Loan Growth (YoY) | -8.35% | -4.57% | -7.14% | -12.28% | -10.88% | -253 bps | |
| Deposit Growth (YoY) | -0.10% | -3.38% | -6.98% | -8.41% | -17.38% | -1,728 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.34% | 0.26% | 0.00% | 0.00% | 0.00% | -34 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.02% | 0.02% | 0.02% | 0.04% | -6 bps | |
| Allowance / Loans | 1.03% | 1.04% | 1.09% | 1.13% | 1.14% | +11 bps | |
| Allowance Coverage of NPLs | 3.0x | 3.9x | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.42% | 13.06% | 13.21% | 13.00% | 13.52% | +110 bps | |
| Total Risk-Based Capital | 12.42% | 13.06% | 13.21% | 13.00% | 13.52% | +110 bps | |
| Equity / Assets | 12.54% | 12.42% | 12.95% | 13.33% | 14.09% | +155 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 99.85% | 102.05% | 101.81% | 101.36% | 107.70% | +786 bps | |
| Liquid Assets / Assets | 9.05% | 10.07% | 9.97% | 9.89% | 5.34% | -370 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 247% | n/a | n/a |