Cullman, AL · Cert 30166
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | 0.24% | 0.22% | 0.88% | 0.64% | -0.24% | -1.32% | -1.10% | -198 bps | |
| Return on Equity | 4.62% | 1.93% | 1.78% | 7.10% | 5.14% | -1.90% | -10.25% | -8.37% | -1,547 bps | |
| Net Interest Margin | 3.40% | 3.14% | 3.20% | 3.24% | 3.41% | 3.45% | 3.52% | 3.70% | +46 bps | |
| Efficiency Ratio | 81.25% | 91.14% | 91.75% | 91.33% | 90.67% | 108.68% | 148.82% | 140.12% | +4,879 bps | |
| Non-Interest Burden | 2.70% | 2.83% | 2.90% | 2.93% | 3.05% | 3.78% | 5.40% | 5.33% | +240 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.65% | -4.98% | -5.31% | -7.37% | -5.42% | -6.60% | -14.12% | -16.52% | -915 bps | |
| Loan Growth (YoY) | -5.51% | -9.87% | -7.49% | -8.35% | -4.57% | -7.14% | -12.28% | -10.88% | -253 bps | |
| Deposit Growth (YoY) | -12.73% | -10.03% | -4.18% | -0.10% | -3.38% | -6.98% | -8.41% | -17.38% | -1,728 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.52% | 0.00% | 0.46% | 0.34% | 0.26% | 0.00% | 0.00% | 0.00% | -34 bps | |
| Net Charge-Offs / Loans | -0.05% | 0.17% | 0.06% | 0.08% | 0.06% | 0.02% | 0.02% | 0.03% | -5 bps | |
| Allowance / Loans | 1.70% | 1.69% | 1.65% | 1.03% | 1.04% | 1.09% | 1.13% | 1.14% | +11 bps | |
| Allowance Coverage of NPLs | 3.2x | 1403.0x | 3.6x | 3.0x | 3.9x | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.17% | 12.38% | 12.88% | 12.42% | 13.06% | 13.21% | 13.00% | 13.52% | +110 bps | |
| Total Risk-Based Capital | 12.17% | 12.38% | 12.88% | 12.42% | 13.06% | 13.21% | 13.00% | 13.52% | +110 bps | |
| Equity / Assets | 12.07% | 12.54% | 12.49% | 12.54% | 12.42% | 12.95% | 13.33% | 14.09% | +155 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.31% | 101.99% | 105.83% | 99.85% | 102.05% | 101.81% | 101.36% | 107.70% | +786 bps | |
| Liquid Assets / Assets | 7.82% | 7.08% | 9.60% | 9.05% | 10.07% | 9.97% | 9.89% | 5.34% | -370 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 247% | n/a | n/a |