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 |