Alva, OK · Cert 4033
FDIC · 4 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 in OK (n=92 to 93). 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
15
Profitability
1
Liquidity
0
Efficiency
1
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.
Alva, OK · Cert 4033
FDIC · 4 branches
Q1 2025
Market Position · Enid, OK · 2024 SOD (annual) · 0.2% share · #13 of 14 inst. · $0.0B of $4.6B
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 | -2.16% | -1.91% | -2.91% | -0.29% | -1.05% | -1.15% | -1.09% | -3.12% | -282 bps | |
| Return on Equity | -41.20% | -40.86% | -64.08% | -6.64% | -23.82% | -24.75% | -23.51% | -73.50% | -6,687 bps | |
| Net Interest Margin | 2.13% | 2.03% | 1.85% | 1.84% | 3.29% | 2.74% | 2.54% | 1.84% | 0 bps | |
| Efficiency Ratio | 128.92% | 137.20% | 148.45% | 167.36% | 122.29% | 152.15% | 156.06% | 285% | +11,761 bps | |
| Non-Interest Burden | 2.87% | 2.95% | 2.97% | 3.35% | 4.12% | 4.39% | 4.20% | 5.88% | +254 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -32.85% | -9.28% | -15.98% | -16.88% | -16.71% | -22.11% | -15.59% | -16.00% | +87 bps | |
| Loan Growth (YoY) | -25.35% | -21.31% | -20.85% | -31.15% | -36.27% | -47.41% | -47.52% | -46.31% | -1,515 bps | |
| Deposit Growth (YoY) | -33.61% | -7.26% | -15.10% | -15.29% | -16.33% | -24.54% | -16.00% | -15.52% | -24 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 12.57% | 11.34% | 23.49% | 22.26% | 22.21% | 14.56% | 11.78% | 9.20% | -1,306 bps | |
| Net Charge-Offs / Loans | -2.07% | -0.39% | -0.23% | 15.49% | 8.59% | 9.22% | 7.38% | -0.16% | -1,565 bps | |
| Allowance / Loans | 5.12% | 4.99% | 7.47% | 3.98% | 5.38% | 5.04% | 4.97% | 4.76% | +78 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.4x | 0.3x | 0.2x | 0.2x | 0.3x | 0.4x | 0.5x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.59% | 9.54% | 8.36% | 8.71% | 9.00% | 9.12% | 9.28% | 8.76% | +5 bps | |
| Total Risk-Based Capital | 13.11% | 14.44% | 13.09% | 14.07% | 15.75% | 19.32% | 19.58% | 19.57% | +550 bps | |
| Equity / Assets | 4.98% | 2.86% | 3.95% | 4.92% | 4.35% | 5.59% | 4.51% | 3.95% | -97 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.69% | 52.28% | 52.51% | 49.74% | 46.99% | 36.43% | 32.81% | 31.61% | -1,813 bps | |
| Liquid Assets / Assets | 2.00% | 13.42% | 15.97% | 13.48% | 13.86% | 18.92% | 21.19% | 16.26% | +278 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
Alva, OK · Cert 4033 · Peer group: banks under $1B in assets in OK (n=92-93)
FDIC · 4 branches
Q1 2025
Return on Assets
-3.28%
Rank 91 of 93
Net Interest Margin
1.84%
Rank 93 of 93
Efficiency Ratio
285%
Rank 93 of 93
Equity / Assets
3.95%
Rank 92 of 93
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -3.28% | 0.73% | 1.09% | 1.62% | Beats 2% | 91 / 93 | ||
| Return on Equity | -82.94% | 6.52% | 11.09% | 15.55% | Beats 2% | 91 / 93 | ||
| Net Interest Margin | 1.84% | 3.18% | 3.72% | 4.43% | Beats 0% | 93 / 93 | ||
| Efficiency Ratio | 285% | 55.30% | 65.10% | 73.00% | Beats 1% | 93 / 93 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 9.20% | 0.09% | 0.58% | 1.92% | Beats 2% | 91 / 92 | ||
| Net Charge-Offs / Loans | 0.03% | n/a | 0.01% | 0.04% | Beats 27% | 68 / 92 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.30% | 10.86% | 12.87% | 16.52% | Beats 83% | 16 / 93 | ||
| Total Risk-Based Capital Ratio | 19.57% | 11.29% | 13.67% | 17.30% | Beats 84% | 15 / 93 | ||
| Equity / Assets | 3.95% | 8.47% | 9.89% | 12.88% | Beats 1% | 92 / 93 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 31.61% | 56.48% | 68.96% | 86.06% | 5th pctl | 87 / 92 | ||
| Loans / Assets | 29.98% | 51.06% | 61.46% | 72.30% | 8th pctl | 85 / 92 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||