Hattiesburg, MS · Cert 34217
FDIC · 115 branches
Q1 2025
Market Position · Gulfport-Biloxi, MS · 2024 SOD (annual) · 11.0% share · #3 of 16 inst. · $0.9B of $8.2B
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.15% | 1.14% | 1.15% | 1.14% | 0.02% | -113 bps | |
| Return on Equity | 8.68% | 8.52% | 8.45% | 8.38% | 0.16% | -851 bps | |
| Net Interest Margin | 3.08% | 3.11% | 3.13% | 3.16% | 3.07% | -1 bps | |
| Efficiency Ratio | 55.25% | 54.87% | 54.85% | 55.39% | 93.21% | +3,796 bps | |
| Non-Interest Burden | 1.46% | 1.46% | 1.48% | 1.52% | 2.81% | +136 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.63% | 1.35% | 1.04% | 0.06% | -0.30% | +34 bps | |
| Loan Growth (YoY) | 3.42% | 4.77% | 4.43% | 4.60% | 4.63% | +121 bps | |
| Deposit Growth (YoY) | 0.66% | 1.91% | 1.10% | 2.09% | -3.78% | -445 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.23% | 0.28% | 0.33% | 0.41% | 0.55% | +32 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.02% | 0.03% | 0.05% | +4 bps | |
| Allowance / Loans | 1.05% | 1.05% | 1.05% | 1.04% | 1.04% | -1 bps | |
| Allowance Coverage of NPLs | 4.6x | 3.7x | 3.1x | 2.6x | 1.9x | -2.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.79% | 11.16% | 11.39% | 11.64% | 11.15% | +36 bps | |
| Total Risk-Based Capital | 14.93% | 15.09% | 15.20% | 15.37% | 14.69% | -23 bps | |
| Equity / Assets | 13.41% | 13.58% | 14.09% | 13.94% | 13.90% | +48 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 76.54% | 79.23% | 81.04% | 81.84% | 83.24% | +670 bps | |
| Liquid Assets / Assets | 10.72% | 8.78% | 8.66% | 8.62% | 8.56% | -216 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |