Bryan, TX · Cert 58249
FDIC · 5 branches
Q4 2019
Market Position · College Station-Bryan, TX · 2019 SOD (annual) · 9.0% share · #4 of 23 inst. · $0.5B of $6.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.66% | 1.81% | 1.83% | 1.85% | 0.85% | -81 bps | |
| Return on Equity | 16.15% | 16.97% | 16.38% | 15.95% | 7.08% | -907 bps | |
| Net Interest Margin | 3.94% | 3.75% | 3.88% | 3.78% | 3.66% | -29 bps | |
| Efficiency Ratio | 52.09% | 47.08% | 46.53% | 45.74% | 76.40% | +2,431 bps | |
| Non-Interest Burden | 1.84% | 1.54% | 1.56% | 1.47% | 2.68% | +84 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.50% | 7.77% | 9.97% | 4.46% | 2.85% | -965 bps | |
| Loan Growth (YoY) | 11.77% | 12.04% | 10.21% | 8.47% | 6.33% | -544 bps | |
| Deposit Growth (YoY) | 13.01% | 6.80% | 6.03% | 2.48% | 0.62% | -1,240 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.01% | 0.03% | 1.27% | +126 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.00% | 0.00% | 0.05% | +3 bps | |
| Allowance / Loans | 1.35% | 1.34% | 1.33% | 1.35% | 1.32% | -3 bps | |
| Allowance Coverage of NPLs | 826.7x | 121.8x | 126.1x | 42.1x | 1.0x | -825.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.42% | 10.71% | 11.39% | 11.67% | 11.68% | +126 bps | |
| Total Risk-Based Capital | 16.46% | 17.06% | 17.32% | 18.13% | 17.95% | +149 bps | |
| Equity / Assets | 10.35% | 10.95% | 11.38% | 11.87% | 12.12% | +177 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.05% | 79.96% | 82.79% | 79.80% | 82.48% | +443 bps | |
| Liquid Assets / Assets | 10.70% | 9.49% | 10.08% | 7.55% | 6.90% | -380 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |