Olney, MD · Cert 4865
FDIC · 55 branches
Q1 2025
Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2024 SOD (annual) · 3.1% share · #8 of 71 inst. · $9.2B of $291.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | 0.67% | 0.82% | 0.65% | 0.73% | 0.52% | -1.02% | 0.06% | -59 bps | |
| Return on Equity | 6.19% | 5.20% | 6.29% | 4.99% | 5.52% | 4.00% | -7.83% | 0.46% | -453 bps | |
| Net Interest Margin | 2.74% | 2.57% | 2.46% | 2.39% | 2.44% | 2.44% | 2.55% | 2.65% | +25 bps | |
| Efficiency Ratio | 60.40% | 66.98% | 64.58% | 65.25% | 63.81% | 67.68% | 69.03% | 80.23% | +1,498 bps | |
| Non-Interest Burden | 1.45% | 1.54% | 1.42% | 1.39% | 1.37% | 1.49% | 3.12% | 2.03% | +64 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.19% | 2.68% | 1.41% | -1.72% | 0.10% | 1.76% | 0.71% | -0.85% | +87 bps | |
| Loan Growth (YoY) | 5.38% | 0.79% | -0.27% | -0.27% | 0.98% | 1.72% | 1.61% | 0.71% | +98 bps | |
| Deposit Growth (YoY) | -0.23% | 3.77% | 0.78% | 1.73% | 3.83% | 5.48% | 6.51% | -0.26% | -200 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.43% | 0.46% | 0.81% | 0.74% | 0.81% | 1.09% | 1.03% | 1.00% | +26 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.00% | 0.00% | 0.04% | 0.01% | 0.03% | 0.06% | 1.19% | +115 bps | |
| Allowance / Loans | 1.06% | 1.09% | 1.06% | 1.08% | 1.09% | 1.14% | 1.16% | 1.00% | -8 bps | |
| Allowance Coverage of NPLs | 2.4x | 2.4x | 1.3x | 1.5x | 1.4x | 1.0x | 1.1x | 1.0x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.50% | 11.57% | 11.30% | 11.35% | 11.50% | 11.42% | 11.33% | 11.63% | +28 bps | |
| Total Risk-Based Capital | 13.86% | 14.10% | 13.84% | 13.96% | 14.38% | 14.48% | 14.79% | 14.94% | +98 bps | |
| Equity / Assets | 13.03% | 12.88% | 13.06% | 13.19% | 13.16% | 13.07% | 12.95% | 13.38% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.17% | 100.72% | 102.31% | 100.25% | 100.34% | 97.13% | 97.61% | 101.23% | +97 bps | |
| Liquid Assets / Assets | 4.16% | 6.22% | 4.99% | 4.05% | 3.92% | 5.99% | 4.63% | 2.86% | -119 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |