Doraville, GA · Cert 34998
FDIC · 10 branches
Q3 2025
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2025 SOD (annual) · 0.3% share · #26 of 80 inst. · $0.8B of $246.0B
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 | 2.21% | 1.91% | 2.14% | 2.12% | 2.11% | 1.78% | 1.67% | 1.68% | -44 bps | |
| Return on Equity | 20.84% | 17.34% | 19.12% | 18.82% | 18.46% | 15.03% | 14.25% | 14.24% | -458 bps | |
| Net Interest Margin | 4.35% | 4.23% | 4.48% | 4.32% | 4.26% | 4.21% | 4.14% | 4.26% | -5 bps | |
| Efficiency Ratio | 43.72% | 47.51% | 45.08% | 45.36% | 45.74% | 48.71% | 48.91% | 48.32% | +296 bps | |
| Non-Interest Burden | 1.48% | 1.63% | 1.56% | 1.50% | 1.53% | 1.77% | 1.76% | 1.79% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.40% | 7.78% | 0.74% | 3.26% | 3.17% | 6.86% | 9.73% | 2.25% | -101 bps | |
| Loan Growth (YoY) | 5.91% | 2.67% | 4.55% | 5.23% | 8.28% | 12.62% | 10.35% | 8.69% | +346 bps | |
| Deposit Growth (YoY) | 8.98% | 3.53% | -1.25% | 1.86% | 2.24% | 3.25% | 1.75% | -7.71% | -957 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.21% | 0.21% | 0.37% | 0.18% | 0.37% | 0.39% | 0.74% | 0.66% | +47 bps | |
| Net Charge-Offs / Loans | -0.06% | 0.00% | -0.06% | 0.00% | 0.02% | 0.00% | 0.00% | 0.12% | +12 bps | |
| Allowance / Loans | 1.28% | 1.28% | 1.27% | 1.25% | 1.20% | 1.15% | 1.19% | 1.18% | -7 bps | |
| Allowance Coverage of NPLs | 6.0x | 6.1x | 3.4x | 6.8x | 3.2x | 2.9x | 1.6x | 1.8x | -5.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.13% | 11.11% | 11.80% | 11.86% | 12.18% | 12.03% | 11.96% | 12.61% | +76 bps | |
| Total Risk-Based Capital | 17.07% | 17.97% | 18.06% | 18.77% | 19.20% | 17.99% | 18.06% | 19.15% | +38 bps | |
| Equity / Assets | 11.15% | 10.90% | 11.56% | 11.47% | 12.14% | 11.54% | 11.43% | 12.00% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.40% | 97.98% | 103.58% | 97.15% | 102.09% | 106.87% | 112.33% | 114.41% | +1,726 bps | |
| Liquid Assets / Assets | 14.68% | 13.53% | 10.08% | 14.47% | 11.08% | 9.20% | 9.55% | 10.25% | -423 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 494% | n/a | n/a |