Branson, MO · Cert 33832
FDIC · 3 branches
Q3 2024
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 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.79% | 0.28% | 0.45% | 0.37% | 0.31% | 0.36% | 0.42% | 0.50% | +14 bps | |
| Return on Equity | 11.31% | 4.92% | 7.78% | 6.60% | 5.60% | 6.69% | 7.96% | 9.30% | +270 bps | |
| Net Interest Margin | 3.24% | 2.68% | 2.52% | 2.40% | 2.33% | 2.53% | 2.55% | 2.50% | +11 bps | |
| Efficiency Ratio | 69.25% | 81.43% | 78.24% | 81.94% | 84.68% | 81.43% | 79.08% | 75.76% | -618 bps | |
| Non-Interest Burden | 2.14% | 2.13% | 1.85% | 1.88% | 1.91% | 2.01% | 1.95% | 1.82% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.94% | 1.32% | 2.28% | 11.78% | 15.12% | 23.97% | 29.45% | 20.80% | +902 bps | |
| Loan Growth (YoY) | 8.30% | 7.13% | 12.21% | 15.64% | 25.19% | 29.77% | 34.27% | 28.29% | +1,265 bps | |
| Deposit Growth (YoY) | 11.37% | -7.64% | -8.52% | 2.96% | 6.21% | 32.21% | 31.69% | 23.14% | +2,018 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.05% | 0.04% | 0.04% | 0.04% | 0.03% | 0.03% | 0.03% | 0.16% | +12 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.02% | -0.02% | -0.02% | -0.01% | -0.01% | 0.01% | 0.00% | +2 bps | |
| Allowance / Loans | 1.15% | 1.21% | 1.20% | 1.12% | 1.02% | 0.97% | 0.94% | 0.94% | -18 bps | |
| Allowance Coverage of NPLs | 25.4x | 29.1x | 30.6x | 31.5x | 33.2x | 30.9x | 36.5x | 6.0x | -25.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.19% | 8.90% | 9.17% | 8.74% | 8.40% | 7.73% | 7.69% | 7.62% | -112 bps | |
| Total Risk-Based Capital | 14.25% | 14.17% | 14.46% | 13.76% | 12.25% | 12.01% | 11.49% | 11.54% | -221 bps | |
| Equity / Assets | 5.58% | 5.87% | 5.79% | 5.12% | 5.65% | 5.24% | 5.07% | 5.75% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.92% | 94.36% | 92.13% | 91.18% | 91.85% | 92.63% | 93.94% | 94.99% | +381 bps | |
| Liquid Assets / Assets | 2.33% | 1.97% | 1.56% | 1.48% | 1.37% | 1.31% | 1.36% | 1.65% | +16 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |