Savannah, GA · Cert 57252
FDIC · 8 branches
Q1 2025
Market Position · Savannah, GA · 2024 SOD (annual) · 4.9% share · #6 of 26 inst. · $0.5B of $10.1B
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 | 2.11% | 1.96% | 2.08% | 2.04% | 1.94% | 1.92% | 1.97% | 1.32% | -72 bps | |
| Return on Equity | 22.83% | 20.64% | 21.18% | 18.04% | 16.81% | 16.30% | 16.50% | 10.36% | -768 bps | |
| Net Interest Margin | 5.20% | 5.24% | 5.24% | 5.02% | 4.97% | 4.93% | 4.96% | 4.67% | -35 bps | |
| Efficiency Ratio | 56.18% | 58.27% | 56.40% | 59.45% | 59.61% | 59.59% | 59.88% | 69.01% | +956 bps | |
| Non-Interest Burden | 2.03% | 2.33% | 2.20% | 1.99% | 2.07% | 2.08% | 2.12% | 2.82% | +83 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.43% | -5.94% | -2.48% | 0.48% | -1.30% | 3.14% | 2.46% | 5.59% | +511 bps | |
| Loan Growth (YoY) | 3.22% | 5.29% | 7.62% | 1.79% | 5.86% | 3.67% | 6.44% | 12.03% | +1,024 bps | |
| Deposit Growth (YoY) | -8.61% | -9.28% | -5.50% | -1.91% | -3.47% | 0.45% | 0.35% | 4.30% | +621 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.43% | 1.91% | 2.29% | 2.24% | 2.04% | 2.30% | 0.85% | 0.87% | -137 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | 0.01% | 0.33% | 0.25% | 0.22% | 0.21% | -0.03% | -36 bps | |
| Allowance / Loans | 1.85% | 1.85% | 1.82% | 1.87% | 1.91% | 1.98% | 1.89% | 1.85% | -2 bps | |
| Allowance Coverage of NPLs | 4.3x | 1.0x | 0.8x | 0.8x | 0.9x | 0.9x | 2.2x | 2.1x | +1.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.74% | 11.26% | 11.87% | 12.52% | 12.72% | 13.10% | 13.50% | 13.77% | +125 bps | |
| Total Risk-Based Capital | 18.50% | 19.19% | 19.45% | 20.32% | 20.38% | 20.87% | 21.35% | 21.06% | +74 bps | |
| Equity / Assets | 9.69% | 10.19% | 11.07% | 11.59% | 11.90% | 12.46% | 12.78% | 12.78% | +119 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.43% | 65.91% | 68.17% | 67.19% | 68.46% | 68.03% | 72.31% | 72.17% | +498 bps | |
| Liquid Assets / Assets | 30.07% | 27.17% | 23.66% | 25.75% | 25.09% | 25.30% | 23.27% | 23.92% | -183 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |