Kennewick, WA · Cert 34627
FDIC · 5 branches
Q2 2025
Market Position · Kennewick-Richland, WA · 2025 SOD (annual) · 13.5% share · #3 of 16 inst. · $0.6B of $4.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | 0.42% | 0.71% | 0.62% | 0.73% | 1.16% | 1.19% | 0.83% | +21 bps | |
| Return on Equity | 7.23% | 6.77% | 10.64% | 9.22% | 10.52% | 16.00% | 15.82% | 11.14% | +192 bps | |
| Net Interest Margin | 3.07% | 3.00% | 2.84% | 2.89% | 2.96% | 3.16% | 3.07% | 3.11% | +21 bps | |
| Efficiency Ratio | 76.68% | 83.97% | 81.66% | 78.75% | 76.35% | 71.76% | 70.73% | 79.22% | +46 bps | |
| Non-Interest Burden | 1.75% | 2.08% | 1.85% | 1.71% | 1.73% | 1.66% | 1.51% | 1.95% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.63% | -0.80% | -1.78% | 7.68% | 12.24% | 1.41% | 3.97% | 6.29% | -139 bps | |
| Loan Growth (YoY) | 10.22% | 8.82% | 7.97% | 10.42% | 5.55% | 8.21% | 6.53% | -1.76% | -1,219 bps | |
| Deposit Growth (YoY) | -0.82% | -1.71% | -2.30% | 7.56% | 10.86% | 0.67% | 3.03% | 5.78% | -178 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.04% | 0.04% | 0.05% | 0.07% | 0.06% | 0.06% | 0.06% | +2 bps | |
| Net Charge-Offs / Loans | 0.21% | 0.31% | 0.22% | 0.14% | 0.21% | 0.12% | 0.05% | 0.12% | -2 bps | |
| Allowance / Loans | 1.08% | 1.14% | 1.05% | 1.05% | 1.10% | 1.06% | 1.04% | 1.05% | 0 bps | |
| Allowance Coverage of NPLs | 82.8x | 25.9x | 25.4x | 22.3x | 15.0x | 16.6x | 16.4x | 16.8x | -5.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.68% | 9.65% | 9.75% | 9.48% | 9.31% | 9.30% | 9.81% | 9.58% | +10 bps | |
| Total Risk-Based Capital | 15.68% | 15.76% | 15.44% | 15.54% | 15.95% | 16.40% | 16.30% | 16.69% | +115 bps | |
| Equity / Assets | 5.96% | 6.49% | 6.77% | 6.62% | 7.21% | 7.29% | 7.78% | 7.14% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.33% | 60.56% | 63.67% | 61.97% | 60.30% | 65.09% | 65.84% | 57.55% | -442 bps | |
| Liquid Assets / Assets | 6.13% | 10.39% | 11.71% | 16.08% | 18.84% | 14.73% | 13.33% | 24.89% | +881 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |