Suwanee, GA · Cert 58374
FDIC · 16 branches
Q4 2024
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2024 SOD (annual) · 0.6% share · #20 of 81 inst. · $1.4B of $236.7B
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.52% | 1.35% | 1.29% | 1.21% | 1.17% | -35 bps | |
| Return on Equity | 14.51% | 12.89% | 12.32% | 11.64% | 11.43% | -307 bps | |
| Net Interest Margin | 4.06% | 3.94% | 3.89% | 3.84% | 3.70% | -36 bps | |
| Efficiency Ratio | 49.57% | 55.17% | 57.17% | 59.01% | 59.56% | +998 bps | |
| Non-Interest Burden | 1.82% | 2.03% | 2.10% | 2.16% | 2.12% | +30 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.62% | 9.87% | 11.60% | 16.21% | 16.99% | +738 bps | |
| Loan Growth (YoY) | 13.68% | 11.73% | 19.76% | 23.05% | 26.73% | +1,305 bps | |
| Deposit Growth (YoY) | 7.83% | 11.03% | 13.11% | 16.58% | 19.85% | +1,202 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.04% | 0.01% | 0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 0.96% | 0.96% | 0.93% | 0.91% | 0.85% | -11 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.56% | 10.50% | 10.38% | 10.14% | 9.81% | -75 bps | |
| Total Risk-Based Capital | 12.43% | 12.50% | 12.02% | 11.63% | 11.13% | -130 bps | |
| Equity / Assets | 10.38% | 10.51% | 10.53% | 10.19% | 9.68% | -70 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 92.19% | 91.76% | 95.96% | 95.74% | 97.48% | +529 bps | |
| Liquid Assets / Assets | 9.64% | 9.23% | 5.37% | 7.15% | 6.05% | -360 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |