Cascade, MT · Cert 358
FDIC · 1 branch
Q4 2024
Market Position · Great Falls, MT · 2024 SOD (annual) · 1.9% share · #8 of 12 inst. · $0.0B of $2.0B
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 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.72% | 0.83% | 0.88% | 0.49% | 0.96% | 0.70% | 0.75% | -0.11% | -60 bps | |
| Return on Equity | 8.01% | 9.05% | 9.39% | 5.20% | 9.55% | 6.86% | 7.44% | -1.10% | -630 bps | |
| Net Interest Margin | 2.76% | 2.88% | 2.95% | 2.97% | 3.29% | 3.15% | 3.29% | 3.17% | +20 bps | |
| Efficiency Ratio | 68.00% | 65.10% | 63.64% | 80.19% | 64.69% | 73.12% | 71.40% | 102.99% | +2,281 bps | |
| Non-Interest Burden | 1.83% | 1.84% | 1.83% | 2.35% | 2.08% | 2.27% | 2.31% | 3.27% | +92 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.88% | -3.98% | -3.90% | -4.80% | -3.87% | -5.42% | -2.24% | -0.59% | +421 bps | |
| Loan Growth (YoY) | 7.22% | 9.66% | 2.49% | -6.40% | -3.21% | -7.38% | 0.04% | -4.95% | +145 bps | |
| Deposit Growth (YoY) | -1.78% | -5.43% | -5.33% | -6.12% | -4.70% | -5.67% | -2.30% | 1.79% | +791 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 3.28% | 2.61% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.01% | -0.02% | 0.00% | -0.02% | -0.01% | -0.01% | +1 bps | |
| Allowance / Loans | 1.82% | 1.73% | 1.81% | 1.95% | 1.89% | 1.89% | 1.82% | 2.06% | +11 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 0.6x | 0.7x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.48% | 10.59% | 11.07% | 10.88% | 10.97% | 11.17% | 10.81% | 7.97% | -291 bps | |
| Total Risk-Based Capital | 35.53% | 34.57% | 34.43% | 33.07% | 33.44% | 34.07% | 26.74% | 19.54% | -1,353 bps | |
| Equity / Assets | 9.35% | 9.45% | 9.92% | 9.96% | 10.10% | 10.39% | 10.07% | 7.37% | -259 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 32.09% | 33.86% | 33.50% | 30.51% | 32.60% | 33.25% | 34.30% | 28.49% | -202 bps | |
| Liquid Assets / Assets | 48.12% | 46.32% | 45.06% | 45.04% | 45.45% | 43.50% | 36.85% | 29.94% | -1,510 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |