Santa Anna, TX · Cert 5520
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 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.46% | 1.52% | 1.46% | 1.48% | 1.61% | 1.67% | 1.55% | 1.73% | +25 bps | |
| Return on Equity | 19.81% | 20.59% | 19.57% | 19.57% | 21.19% | 21.48% | 21.07% | 27.65% | +808 bps | |
| Net Interest Margin | 3.92% | 4.04% | 4.13% | 4.21% | 4.25% | 4.19% | 3.94% | 4.07% | -14 bps | |
| Efficiency Ratio | 59.09% | 58.38% | 61.13% | 60.48% | 58.20% | 56.72% | 59.44% | 52.87% | -761 bps | |
| Non-Interest Burden | 2.10% | 2.13% | 2.31% | 2.34% | 2.24% | 2.14% | 2.14% | 1.93% | -41 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.49% | 4.53% | 3.42% | 2.50% | 7.42% | 13.02% | 28.20% | 26.09% | +2,359 bps | |
| Loan Growth (YoY) | 13.71% | 13.27% | 10.84% | 9.41% | 15.22% | 12.43% | 6.59% | 1.94% | -747 bps | |
| Deposit Growth (YoY) | -3.13% | 1.44% | 2.15% | 10.97% | 17.08% | 18.50% | 36.29% | 33.24% | +2,227 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.54% | 0.52% | 0.51% | 0.49% | 0.47% | 0.46% | 0.51% | 0.50% | +1 bps | |
| Net Charge-Offs / Loans | 0.17% | 0.12% | 0.10% | 0.04% | 0.02% | 0.03% | 0.03% | 0.03% | -1 bps | |
| Allowance / Loans | 1.41% | 1.38% | 1.38% | 1.32% | 1.28% | 1.28% | 1.35% | 1.35% | +3 bps | |
| Allowance Coverage of NPLs | 2.6x | 2.7x | 2.7x | 2.7x | 2.8x | 2.8x | 2.6x | 2.7x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.74% | 11.17% | 10.39% | 10.55% | 10.60% | 10.58% | 8.92% | 8.62% | -194 bps | |
| Total Risk-Based Capital | 10.74% | 11.17% | 10.39% | 10.55% | 10.60% | 10.58% | 8.92% | 8.62% | -194 bps | |
| Equity / Assets | 7.49% | 7.41% | 7.63% | 7.50% | 7.63% | 8.22% | 5.97% | 6.51% | -99 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.15% | 74.35% | 73.95% | 75.36% | 73.96% | 70.54% | 57.83% | 57.66% | -1,770 bps | |
| Liquid Assets / Assets | 0.86% | 0.59% | 0.42% | 0.58% | 0.77% | 1.19% | 0.40% | 0.69% | +11 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |