Universal City, TX · Cert 57704
FDIC · 6 branches
Q3 2022
Market Position · San Antonio-New Braunfels, TX · 2022 SOD (annual) · 0.2% share · #21 of 63 inst. · $0.4B of $186.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.76% | 0.70% | 0.60% | 0.66% | -1.02% | -178 bps | |
| Return on Equity | 8.39% | 7.48% | 6.59% | 7.46% | -11.47% | -1,986 bps | |
| Net Interest Margin | 2.54% | 2.40% | 2.39% | 2.41% | 3.08% | +54 bps | |
| Efficiency Ratio | 67.26% | 70.57% | 69.65% | 66.82% | 131.91% | +6,465 bps | |
| Non-Interest Burden | 1.66% | 1.66% | 1.63% | 1.57% | 4.11% | +245 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.45% | 13.51% | 9.51% | 4.01% | -9.98% | -2,144 bps | |
| Loan Growth (YoY) | -7.03% | -5.79% | -12.35% | -8.36% | -3.99% | +304 bps | |
| Deposit Growth (YoY) | 15.23% | 15.83% | 11.51% | 5.22% | -7.37% | -2,260 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.00% | 0.00% | -0.01% | -2 bps | |
| Allowance / Loans | 2.70% | 2.70% | 2.79% | 2.84% | 2.84% | +14 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.27% | 9.20% | 9.20% | 9.08% | 9.23% | -4 bps | |
| Total Risk-Based Capital | 18.71% | 18.26% | 18.27% | 18.63% | 16.28% | -243 bps | |
| Equity / Assets | 9.37% | 9.25% | 8.88% | 8.76% | 9.08% | -29 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 55.47% | 54.69% | 51.51% | 51.26% | 57.49% | +202 bps | |
| Liquid Assets / Assets | 37.96% | 38.46% | 40.84% | 41.16% | 33.14% | -481 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |