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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.19% | 1.40% | 1.47% | 1.20% | 1.60% | +42 bps | |
| Return on Equity | 12.15% | 14.17% | 14.45% | 11.43% | 14.59% | +243 bps | |
| Net Interest Margin | 3.90% | 4.17% | 4.47% | 4.49% | 4.45% | +55 bps | |
| Efficiency Ratio | 63.77% | 57.89% | 53.06% | 59.80% | 56.17% | -759 bps | |
| Non-Interest Burden | 2.37% | 2.27% | 2.21% | 2.55% | 2.36% | -1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.67% | 6.13% | 2.15% | 3.85% | 1.83% | -884 bps | |
| Loan Growth (YoY) | 20.77% | 14.80% | 15.68% | 10.36% | 12.14% | -863 bps | |
| Deposit Growth (YoY) | 10.44% | 5.19% | 0.63% | 9.56% | -3.51% | -1,395 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.10% | 0.21% | 0.18% | 0.19% | 0.11% | +1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.05% | 0.26% | 0.05% | -0.02% | -2 bps | |
| Allowance / Loans | 1.06% | 1.06% | 1.06% | 1.09% | 1.09% | +3 bps | |
| Allowance Coverage of NPLs | 11.1x | 5.0x | 5.9x | 5.8x | 9.9x | -1.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.39% | 10.11% | 10.67% | 11.06% | 11.62% | +123 bps | |
| Total Risk-Based Capital | 10.39% | 10.11% | 10.67% | 11.06% | 11.62% | +123 bps | |
| Equity / Assets | 9.78% | 10.04% | 10.28% | 10.78% | 11.22% | +144 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.97% | 80.34% | 83.26% | 88.98% | 92.94% | +1,297 bps | |
| Liquid Assets / Assets | 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 |