San Antonio, TX · Cert 35015
FDIC · 7 branches
Q1 2025
Market Position · San Antonio-New Braunfels, TX · 2024 SOD (annual) · 0.1% share · #27 of 66 inst. · $0.2B of $179.0B
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 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | 0.12% | 0.07% | 0.02% | 0.04% | 0.06% | 0.09% | 0.25% | +23 bps | |
| Return on Equity | 2.90% | 1.49% | 0.78% | 0.25% | 0.49% | 0.73% | 1.07% | 2.77% | +253 bps | |
| Net Interest Margin | 2.70% | 2.54% | 2.47% | 2.29% | 2.25% | 2.28% | 2.35% | 2.57% | +27 bps | |
| Efficiency Ratio | 88.94% | 94.38% | 94.84% | 98.22% | 97.35% | 96.52% | 94.99% | 89.39% | -882 bps | |
| Non-Interest Burden | 2.33% | 2.34% | 2.28% | 2.21% | 2.14% | 2.16% | 2.18% | 2.23% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.49% | 0.95% | 3.33% | 5.21% | 6.83% | 8.10% | 0.94% | -3.17% | -838 bps | |
| Loan Growth (YoY) | 8.55% | 3.53% | 1.37% | 8.60% | 11.98% | 8.75% | 4.84% | -6.72% | -1,531 bps | |
| Deposit Growth (YoY) | -1.31% | -2.71% | 3.57% | 3.95% | 6.21% | 5.07% | -0.25% | -3.00% | -694 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.69% | 0.85% | 1.05% | 0.00% | 0.19% | 0.47% | 0.21% | 0.70% | +70 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.10% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.16% | 1.16% | 1.15% | 1.09% | 1.04% | 1.08% | 1.12% | 1.19% | +10 bps | |
| Allowance Coverage of NPLs | 1.7x | 1.4x | 1.1x | n/a | 5.4x | 2.3x | 5.4x | 1.7x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.46% | 10.46% | 10.16% | 10.02% | 9.76% | 9.75% | 9.82% | 10.13% | +11 bps | |
| Total Risk-Based Capital | 15.14% | 14.61% | 14.19% | 13.84% | 13.66% | 14.31% | 15.24% | 16.13% | +229 bps | |
| Equity / Assets | 8.51% | 7.94% | 8.62% | 8.25% | 8.29% | 9.03% | 8.75% | 9.26% | +101 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.20% | 68.65% | 66.11% | 69.18% | 71.91% | 71.04% | 69.48% | 66.53% | -265 bps | |
| Liquid Assets / Assets | 1.58% | 1.12% | 3.33% | 2.82% | 1.43% | 1.25% | 1.96% | 5.29% | +246 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |