Midlothian, VA · Cert 35111
FDIC · 9 branches
Q1 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2025, the quarter ended March 31, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=547 to 599). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
56
Asset Quality
64
Profitability
31
Liquidity
26
Efficiency
7
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Midlothian, VA · Cert 35111
FDIC · 9 branches
Q1 2025
Market Position · Richmond, VA · 2024 SOD (annual) · 1.1% share · #10 of 28 inst. · $0.6B of $55.3B
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 | 0.88% | 0.17% | 0.39% | 1.10% | 1.06% | 1.13% | 1.08% | -0.02% | -112 bps | |
| Return on Equity | 8.92% | 1.72% | 3.92% | 10.48% | 10.08% | 10.56% | 10.06% | -0.15% | -1,063 bps | |
| Net Interest Margin | 3.47% | 3.43% | 3.57% | 3.62% | 3.61% | 3.70% | 3.73% | 3.82% | +20 bps | |
| Efficiency Ratio | 74.44% | 74.31% | 73.12% | 67.47% | 69.32% | 68.31% | 70.33% | 103.07% | +3,560 bps | |
| Non-Interest Burden | 2.42% | 2.38% | 2.44% | 2.17% | 2.27% | 2.29% | 2.40% | 3.95% | +179 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.33% | -2.21% | 1.61% | 1.50% | -1.10% | 4.24% | 2.63% | -0.86% | -236 bps | |
| Loan Growth (YoY) | 5.14% | 4.72% | 7.27% | 10.47% | 8.98% | 7.99% | 7.44% | 0.28% | -1,019 bps | |
| Deposit Growth (YoY) | -6.84% | -6.15% | -3.13% | 0.32% | 0.04% | 3.04% | 2.26% | 2.80% | +248 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.53% | 0.48% | 0.43% | 0.48% | 0.24% | 0.32% | 0.19% | 0.10% | -38 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.04% | -0.03% | -0.01% | -0.04% | -0.03% | -0.02% | 0.00% | +1 bps | |
| Allowance / Loans | 0.58% | 0.59% | 0.59% | 0.60% | 0.60% | 0.60% | 0.59% | 0.62% | +2 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.2x | 1.4x | 1.2x | 2.5x | 1.9x | 3.1x | 5.9x | +4.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.18% | 10.74% | 11.14% | 11.36% | 11.33% | 11.57% | 11.56% | 11.64% | +28 bps | |
| Total Risk-Based Capital | 14.97% | 14.19% | 14.49% | 14.13% | 14.06% | 14.16% | 14.45% | 14.68% | +54 bps | |
| Equity / Assets | 9.76% | 10.09% | 10.50% | 10.46% | 10.69% | 11.07% | 11.06% | 11.42% | +95 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.35% | 90.94% | 95.55% | 96.23% | 97.34% | 95.31% | 100.39% | 93.87% | -236 bps | |
| Liquid Assets / Assets | 1.37% | 0.71% | 0.99% | 2.82% | 0.42% | 1.96% | 0.75% | 3.53% | +71 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
Midlothian, VA · Cert 35111 · Peer group: banks under $1B in assets (n=547-599)
FDIC · 9 branches
Q1 2025
Return on Assets
-0.02%
Rank 542 of 599
Net Interest Margin
3.82%
Rank 157 of 598
Efficiency Ratio
103.07%
Rank 557 of 598
Equity / Assets
11.42%
Rank 210 of 598
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.02% | 0.47% | 0.86% | 1.38% | Beats 10% | 542 / 599 | ||
| Return on Equity | -0.15% | 4.56% | 8.90% | 12.65% | Beats 9% | 542 / 598 | ||
| Net Interest Margin | 3.82% | 2.82% | 3.31% | 3.84% | Beats 74% | 157 / 598 | ||
| Efficiency Ratio | 103.07% | 60.53% | 70.73% | 82.91% | Beats 7% | 557 / 598 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.10% | 0.06% | 0.34% | 0.91% | Beats 70% | 164 / 547 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.02% | Beats 58% | 234 / 547 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.04% | 11.11% | 13.78% | 18.22% | Beats 52% | 290 / 598 | ||
| Total Risk-Based Capital Ratio | 14.68% | 11.62% | 14.42% | 19.14% | Beats 52% | 287 / 598 | ||
| Equity / Assets | 11.42% | 8.34% | 10.07% | 12.96% | Beats 65% | 210 / 598 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 93.87% | 60.71% | 77.02% | 90.89% | 81st pctl | 104 / 561 | ||
| Loans / Assets | 81.24% | 54.47% | 67.19% | 77.36% | 86th pctl | 75 / 547 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||