Raleigh, NC · Cert 57095
FDIC · 17 branches
Q4 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2025, the quarter ended December 31, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating regionally (n=188). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
36
Asset Quality
27
Profitability
49
Liquidity
0
Efficiency
32
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.
Raleigh, NC · Cert 57095
FDIC · 17 branches
Q4 2025
Market Position · Raleigh-Cary, NC · 2025 SOD (annual) · 0.8% share · #15 of 38 inst. · $0.8B of $101.6B
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.51% | 0.61% | -0.02% | 0.33% | 1.31% | 1.31% | 1.25% | 0.93% | +60 bps | |
| Return on Equity | 4.40% | 5.30% | -0.21% | 3.05% | 12.56% | 12.56% | 11.90% | 8.84% | +579 bps | |
| Net Interest Margin | 3.24% | 3.21% | 2.90% | 2.94% | 3.93% | 3.87% | 3.81% | 3.89% | +94 bps | |
| Efficiency Ratio | 76.29% | 70.59% | 83.04% | 76.02% | 57.53% | 56.80% | 58.14% | 64.94% | -1,108 bps | |
| Non-Interest Burden | 2.27% | 2.00% | 2.29% | 2.10% | 1.98% | 1.94% | 1.99% | 2.37% | +26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.27% | 15.99% | 50.82% | 54.44% | 58.36% | 56.40% | 6.52% | 7.13% | -4,732 bps | |
| Loan Growth (YoY) | 26.13% | 23.53% | 67.06% | 64.46% | 60.59% | 51.18% | 9.83% | 9.28% | -5,518 bps | |
| Deposit Growth (YoY) | 29.08% | 17.40% | 49.11% | 51.51% | 54.84% | 57.33% | 6.52% | 8.37% | -4,314 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.17% | 0.17% | 0.18% | 0.32% | 0.41% | 0.81% | 0.78% | 1.00% | +68 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.20% | 0.14% | 0.14% | 0.10% | 0.19% | 0.18% | 0.32% | +18 bps | |
| Allowance / Loans | 1.07% | 1.07% | 1.08% | 1.08% | 1.10% | 1.09% | 1.08% | 1.07% | -1 bps | |
| Allowance Coverage of NPLs | 6.4x | 6.5x | 5.9x | 3.3x | 2.7x | 1.4x | 1.4x | 1.1x | -2.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.75% | 11.39% | 10.58% | 9.84% | 9.95% | 9.94% | 9.97% | 10.07% | +23 bps | |
| Total Risk-Based Capital | 14.29% | 13.81% | 12.34% | 12.63% | 12.69% | 13.03% | 12.93% | 12.24% | -38 bps | |
| Equity / Assets | 11.70% | 11.58% | 10.16% | 10.41% | 10.40% | 10.43% | 10.79% | 10.79% | +38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.10% | 99.67% | 95.89% | 100.95% | 98.63% | 95.77% | 98.88% | 101.80% | +85 bps | |
| Liquid Assets / Assets | 11.56% | 8.84% | 9.93% | 6.67% | 8.01% | 9.25% | 6.83% | 4.85% | -183 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | 522% | 532% | n/a | |
Raleigh, NC · Cert 57095 · Peer group: banks $1B-$10B in assets operating regionally (n=188)
FDIC · 17 branches
Q4 2025
Return on Assets
0.91%
Rank 123 of 188
Net Interest Margin
3.89%
Rank 30 of 188
Efficiency Ratio
67.04%
Rank 129 of 188
Equity / Assets
10.79%
Rank 76 of 188
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.91% | 0.81% | 1.07% | 1.39% | Beats 35% | 123 / 188 | ||
| Return on Equity | 8.48% | 8.05% | 10.66% | 13.11% | Beats 27% | 137 / 188 | ||
| Net Interest Margin | 3.89% | 2.96% | 3.38% | 3.73% | Beats 84% | 30 / 188 | ||
| Efficiency Ratio | 67.04% | 53.47% | 60.74% | 69.25% | Beats 32% | 129 / 188 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.00% | 0.27% | 0.57% | 1.04% | Beats 27% | 139 / 188 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.11% | 11.27% | 12.41% | 13.94% | Beats 21% | 148 / 188 | ||
| Total Risk-Based Capital Ratio | 12.24% | 12.24% | 13.41% | 15.02% | Beats 26% | 140 / 188 | ||
| Equity / Assets | 10.79% | 9.20% | 10.34% | 11.75% | Beats 60% | 76 / 188 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 101.80% | 81.05% | 88.67% | 96.26% | 91st pctl | 17 / 188 | ||
| Loans / Assets | 84.26% | 68.20% | 74.78% | 80.31% | 91st pctl | 16 / 188 | ||
| Brokered Deposits / Deposits | 12.14% | n/a | 2.16% | 7.71% | Beats 13% | 164 / 188 | n/a | |