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 | |