Phoenix, AZ · Cert 58271
FDIC · 4 branches
Q1 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2025, the quarter ended March 31, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=547 to 599). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
39
Asset Quality
85
Profitability
85
Liquidity
30
Efficiency
82
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Phoenix, AZ · Cert 58271
FDIC · 4 branches
Q1 2025
Market Position · Phoenix-Mesa-Chandler, AZ · 2024 SOD (annual) · 0.1% share · #33 of 60 inst. · $0.3B of $171.9B
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 | 0.95% | 1.07% | 1.10% | 1.19% | 1.30% | 1.36% | 1.32% | 1.60% | +42 bps | |
| Return on Equity | 9.89% | 11.33% | 11.56% | 12.15% | 13.16% | 13.58% | 13.04% | 14.59% | +243 bps | |
| Net Interest Margin | 3.48% | 3.41% | 3.69% | 3.90% | 3.92% | 4.15% | 4.28% | 4.45% | +55 bps | |
| Efficiency Ratio | 67.92% | 65.12% | 65.08% | 63.77% | 60.64% | 57.93% | 58.42% | 56.17% | -759 bps | |
| Non-Interest Burden | 2.27% | 2.12% | 2.30% | 2.37% | 2.25% | 2.27% | 2.36% | 2.36% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.83% | 26.24% | 14.49% | 10.67% | 6.13% | 2.15% | 3.85% | 1.83% | -884 bps | |
| Loan Growth (YoY) | 30.82% | 30.97% | 23.86% | 20.77% | 14.80% | 15.68% | 10.36% | 12.14% | -863 bps | |
| Deposit Growth (YoY) | 6.61% | 27.94% | 12.24% | 10.44% | 5.19% | 0.63% | 9.56% | -3.51% | -1,395 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.13% | 0.12% | 0.10% | 0.10% | 0.21% | 0.18% | 0.19% | 0.11% | +1 bps | |
| Net Charge-Offs / Loans | -0.40% | -0.25% | -0.17% | 0.00% | 0.02% | 0.10% | 0.09% | -0.02% | -2 bps | |
| Allowance / Loans | 1.20% | 1.13% | 1.05% | 1.06% | 1.06% | 1.06% | 1.09% | 1.09% | +3 bps | |
| Allowance Coverage of NPLs | 9.4x | 9.7x | 10.1x | 11.1x | 5.0x | 5.9x | 5.8x | 9.9x | -1.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.39% | 9.88% | 10.68% | 10.39% | 10.11% | 10.67% | 11.06% | 11.62% | +123 bps | |
| Total Risk-Based Capital | 10.39% | 9.88% | 10.68% | 10.39% | 10.11% | 10.67% | 11.06% | 11.62% | +123 bps | |
| Equity / Assets | 9.25% | 8.81% | 9.78% | 9.78% | 10.04% | 10.28% | 10.78% | 11.22% | +144 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.61% | 72.43% | 88.34% | 79.97% | 80.34% | 83.26% | 88.98% | 92.94% | +1,297 bps | |
| Liquid Assets / Assets | 13.84% | 17.47% | 5.92% | 9.48% | 10.21% | 8.09% | 4.82% | 4.67% | -481 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
Phoenix, AZ · Cert 58271 · Peer group: banks under $1B in assets (n=547-599)
FDIC · 4 branches
Q1 2025
Return on Assets
1.60%
Rank 107 of 599
Net Interest Margin
4.45%
Rank 52 of 598
Efficiency Ratio
56.17%
Rank 108 of 598
Equity / Assets
11.22%
Rank 220 of 598
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.60% | 0.47% | 0.86% | 1.38% | Beats 82% | 107 / 599 | ||
| Return on Equity | 14.26% | 4.56% | 8.90% | 12.65% | Beats 81% | 116 / 598 | ||
| Net Interest Margin | 4.45% | 2.82% | 3.31% | 3.84% | Beats 91% | 52 / 598 | ||
| Efficiency Ratio | 56.17% | 60.53% | 70.73% | 82.91% | Beats 82% | 108 / 598 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.11% | 0.06% | 0.34% | 0.91% | Beats 69% | 169 / 547 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.02% | Beats 100% | 209 / 547 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.62% | 11.11% | 13.78% | 18.22% | Beats 29% | 423 / 598 | ||
| Total Risk-Based Capital Ratio | 11.62% | 11.62% | 14.42% | 19.14% | Beats 25% | 450 / 598 | ||
| Equity / Assets | 11.22% | 8.34% | 10.07% | 12.96% | Beats 63% | 220 / 598 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 92.94% | 60.71% | 77.02% | 90.89% | 79th pctl | 120 / 561 | ||
| Loans / Assets | 78.79% | 54.47% | 67.19% | 77.36% | 79th pctl | 113 / 547 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||