Sandy Springs, GA · Cert 58103
FDIC · 2 branches
Q4 2025
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2025 SOD (annual) · 0.1% share · #47 of 80 inst. · $0.2B of $246.0B
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 | 0.39% | 0.19% | 0.40% | 0.59% | 0.90% | 0.92% | 0.84% | 0.94% | +35 bps | |
| Return on Equity | 2.63% | 1.31% | 2.75% | 4.13% | 6.56% | 6.79% | 6.14% | 6.91% | +278 bps | |
| Net Interest Margin | 4.87% | 4.80% | 4.39% | 4.26% | 4.64% | 4.50% | 4.40% | 4.30% | +4 bps | |
| Efficiency Ratio | 92.04% | 96.00% | 90.74% | 87.16% | 74.23% | 78.04% | 81.29% | 79.94% | -722 bps | |
| Non-Interest Burden | 4.37% | 4.51% | 3.85% | 3.53% | 3.12% | 3.21% | 3.34% | 3.22% | -31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.34% | 16.88% | 5.19% | 8.75% | 19.22% | 17.89% | 9.50% | 11.54% | +279 bps | |
| Loan Growth (YoY) | 15.60% | 22.59% | 17.35% | 16.02% | 21.40% | 17.93% | 12.29% | 3.13% | -1,288 bps | |
| Deposit Growth (YoY) | 2.45% | 14.28% | 1.46% | 6.43% | 14.12% | 15.42% | 4.94% | 14.58% | +816 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.35% | 0.24% | 0.11% | 0.08% | +8 bps | |
| Net Charge-Offs / Loans | -0.04% | 0.00% | 0.02% | 0.03% | 0.12% | 0.37% | 0.24% | 0.18% | +16 bps | |
| Allowance / Loans | 1.33% | 1.20% | 1.20% | 1.15% | 1.30% | 1.07% | 1.08% | 1.12% | -3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 3.8x | 4.5x | 10.1x | 14.5x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.84% | 15.15% | 13.98% | 13.67% | 13.63% | 13.87% | 13.26% | 13.27% | -40 bps | |
| Total Risk-Based Capital | 20.43% | 18.42% | 17.86% | 17.10% | 17.81% | 17.14% | 17.58% | 18.51% | +141 bps | |
| Equity / Assets | 15.31% | 14.29% | 13.96% | 13.61% | 13.83% | 13.28% | 13.70% | 13.60% | -1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.62% | 97.85% | 91.20% | 93.39% | 95.35% | 99.97% | 97.59% | 84.06% | -933 bps | |
| Liquid Assets / Assets | 4.99% | 4.31% | 7.15% | 6.71% | 8.12% | 8.25% | 8.10% | 15.31% | +860 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | 525% | 494% | n/a | |