Dearborn, MI · Cert 35115
FDIC · 1 branch
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
53
Asset Quality
10
Profitability
3
Liquidity
81
Efficiency
3
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.
Dearborn, MI · Cert 35115
FDIC · 1 branch
Q1 2025
Market Position · Detroit-Warren-Dearborn, MI · 2024 SOD (annual) · 0.2% share · #18 of 40 inst. · $0.3B of $199.1B
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 | -1.93% | -1.95% | -1.25% | -3.48% | -3.18% | -4.06% | -3.45% | -0.78% | +270 bps | |
| Return on Equity | -34.86% | -36.03% | -21.77% | -53.58% | -48.90% | -61.88% | -53.28% | -12.02% | +4,157 bps | |
| Net Interest Margin | 1.87% | 1.77% | 1.73% | 1.49% | 1.46% | 1.40% | 1.37% | 1.36% | -13 bps | |
| Efficiency Ratio | 138.98% | 140.86% | 144.06% | 168.92% | 170.49% | 242% | 209% | 126.01% | -4,291 bps | |
| Non-Interest Burden | 3.32% | 3.26% | 3.36% | 3.83% | 3.89% | 4.89% | 4.22% | 2.20% | -162 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.69% | -6.89% | -4.43% | -5.60% | -9.36% | 0.28% | -1.65% | -5.81% | -21 bps | |
| Loan Growth (YoY) | -7.44% | -9.76% | -13.69% | 0.88% | -1.74% | -6.21% | -0.62% | -14.49% | -1,537 bps | |
| Deposit Growth (YoY) | -0.11% | -3.66% | -5.42% | -6.13% | -11.02% | -1.31% | 0.10% | -2.04% | +409 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.53% | 0.69% | 0.75% | 0.62% | 0.74% | 0.90% | 1.01% | 1.42% | +80 bps | |
| Net Charge-Offs / Loans | 1.25% | 1.23% | 1.35% | 1.21% | 1.30% | 1.30% | 1.18% | 0.59% | -62 bps | |
| Allowance / Loans | 1.87% | 1.78% | 1.75% | 1.73% | 1.62% | 1.50% | 1.47% | 1.35% | -37 bps | |
| Allowance Coverage of NPLs | 3.5x | 2.6x | 2.4x | 2.8x | 2.2x | 1.7x | 1.5x | 1.0x | -1.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.02% | 9.33% | 10.66% | 9.82% | 10.20% | 9.55% | 9.70% | 9.80% | -2 bps | |
| Total Risk-Based Capital | 16.39% | 17.22% | 19.84% | 16.43% | 17.61% | 17.89% | 18.25% | 19.13% | +270 bps | |
| Equity / Assets | 5.29% | 5.00% | 7.01% | 5.97% | 6.50% | 6.77% | 6.08% | 6.90% | +93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.46% | 75.22% | 72.94% | 81.77% | 80.02% | 71.49% | 72.42% | 71.38% | -1,039 bps | |
| Liquid Assets / Assets | 13.16% | 11.70% | 14.81% | 8.61% | 10.85% | 19.02% | 19.55% | 18.10% | +949 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
Dearborn, MI · Cert 35115 · Peer group: banks under $1B in assets (n=547-599)
FDIC · 1 branch
Q1 2025
Return on Assets
-0.80%
Rank 574 of 599
Net Interest Margin
1.36%
Rank 588 of 598
Efficiency Ratio
126.01%
Rank 579 of 598
Equity / Assets
6.90%
Rank 534 of 598
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.80% | 0.47% | 0.86% | 1.38% | Beats 4% | 574 / 599 | ||
| Return on Equity | -11.65% | 4.56% | 8.90% | 12.65% | Beats 3% | 583 / 598 | ||
| Net Interest Margin | 1.36% | 2.82% | 3.31% | 3.84% | Beats 2% | 588 / 598 | ||
| Efficiency Ratio | 126.01% | 60.53% | 70.73% | 82.91% | Beats 3% | 579 / 598 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.42% | 0.06% | 0.34% | 0.91% | Beats 15% | 466 / 547 | ||
| Net Charge-Offs / Loans | 0.22% | n/a | 0.00% | 0.02% | Beats 4% | 524 / 547 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.93% | 11.11% | 13.78% | 18.22% | Beats 74% | 156 / 598 | ||
| Total Risk-Based Capital Ratio | 19.13% | 11.62% | 14.42% | 19.14% | Beats 75% | 151 / 598 | ||
| Equity / Assets | 6.90% | 8.34% | 10.07% | 12.96% | Beats 11% | 534 / 598 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 71.38% | 60.71% | 77.02% | 90.89% | 39th pctl | 341 / 561 | ||
| Loans / Assets | 51.92% | 54.47% | 67.19% | 77.36% | 21st pctl | 431 / 547 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||