Beloit, KS · Cert 4630
FDIC · 1 branch
Q1 2025
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 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.65% | 0.55% | 0.60% | 0.64% | 0.98% | +32 bps | |
| Return on Equity | 7.18% | 5.95% | 6.32% | 6.62% | 9.41% | +223 bps | |
| Net Interest Margin | 2.90% | 2.95% | 2.98% | 2.96% | 3.16% | +26 bps | |
| Efficiency Ratio | 73.60% | 75.12% | 74.08% | 73.47% | 65.52% | -808 bps | |
| Non-Interest Burden | 2.08% | 2.16% | 2.15% | 2.12% | 2.00% | -8 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.26% | 0.95% | 7.17% | -2.93% | -2.13% | -239 bps | |
| Loan Growth (YoY) | 11.00% | 16.96% | 27.22% | 15.83% | 8.37% | -263 bps | |
| Deposit Growth (YoY) | 0.90% | 1.04% | -3.59% | -0.89% | -1.28% | -219 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 3.75% | +375 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.70% | 1.57% | 1.51% | 1.50% | 1.56% | -14 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 0.4x | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.74% | 12.06% | 12.20% | 12.05% | 12.68% | +94 bps | |
| Total Risk-Based Capital | 20.53% | 19.62% | 19.43% | 19.45% | 20.35% | -18 bps | |
| Equity / Assets | 9.44% | 9.66% | 10.39% | 9.86% | 10.94% | +149 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 75.41% | 82.32% | 88.98% | 79.10% | 82.78% | +737 bps | |
| Liquid Assets / Assets | 1.59% | 1.59% | 0.94% | 0.89% | 0.94% | -66 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |