Fort Payne, AL · Cert 31479
FDIC · 3 branches
Q4 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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.09% | 0.94% | 0.97% | 0.91% | 1.02% | 1.13% | 1.06% | 0.97% | +6 bps | |
| Return on Equity | 13.94% | 12.01% | 12.07% | 11.23% | 12.22% | 13.33% | 12.28% | 11.00% | -23 bps | |
| Net Interest Margin | 3.47% | 3.38% | 3.34% | 3.25% | 3.19% | 3.23% | 3.22% | 3.26% | 0 bps | |
| Efficiency Ratio | 54.21% | 57.11% | 59.67% | 62.12% | 60.23% | 61.10% | 61.95% | 66.92% | +480 bps | |
| Non-Interest Burden | 1.82% | 1.86% | 1.93% | 1.97% | 1.87% | 1.87% | 1.91% | 2.11% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.75% | -1.54% | 1.36% | 1.53% | 4.75% | 1.28% | 5.44% | 2.47% | +94 bps | |
| Loan Growth (YoY) | 6.09% | 3.16% | 8.70% | 10.85% | 3.35% | -4.58% | -2.88% | -5.43% | -1,628 bps | |
| Deposit Growth (YoY) | 1.32% | -5.32% | -3.61% | 0.91% | 6.56% | 2.51% | 7.79% | 1.09% | +18 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.64% | 0.64% | 0.59% | 3.47% | 0.29% | 0.22% | 0.17% | 0.00% | -347 bps | |
| Net Charge-Offs / Loans | 0.39% | 0.20% | 0.20% | 0.18% | 0.04% | 0.07% | 0.06% | 0.05% | -13 bps | |
| Allowance / Loans | 1.24% | 1.44% | 1.42% | 1.38% | 1.39% | 1.39% | 1.40% | 1.31% | -8 bps | |
| Allowance Coverage of NPLs | 1.9x | 2.3x | 2.4x | 0.4x | 4.8x | 6.3x | 8.3x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.93% | 10.21% | 10.36% | 10.43% | 10.43% | 10.53% | 10.64% | 10.79% | +37 bps | |
| Total Risk-Based Capital | 17.24% | 18.07% | 17.98% | 18.35% | 18.25% | 19.08% | 19.36% | 17.20% | -116 bps | |
| Equity / Assets | 7.96% | 7.83% | 8.69% | 8.30% | 8.42% | 8.70% | 9.09% | 9.58% | +128 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 54.57% | 53.71% | 54.77% | 53.60% | 52.93% | 50.00% | 49.35% | 50.14% | -346 bps | |
| Liquid Assets / Assets | 6.18% | 8.81% | 7.33% | 8.10% | 9.25% | 7.36% | 7.05% | 4.83% | -326 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | 183.33% | 174.76% | n/a | |