Atlanta, GA · Cert 58523
FDIC · 2 branches
Q4 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2024, the quarter ended December 31, 2024, 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 in the Atlanta-Sandy Springs-Roswell, GA area (n=22 to 23). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
15
Asset Quality
64
Profitability
13
Liquidity
59
Efficiency
17
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.
Atlanta, GA · Cert 58523
FDIC · 2 branches
Q4 2024
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2024 SOD (annual) · 0.1% share · #45 of 81 inst. · $0.3B 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 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.08% | 0.90% | 0.74% | 0.67% | 0.24% | 0.26% | 0.39%1 | 0.44% | -23 bps | |
| Return on Equity | 12.37% | 10.39% | 8.68% | 7.89% | 2.96% | 3.15% | 4.66% | 5.20% | -269 bps | |
| Net Interest Margin | 3.96% | 3.66% | 3.35% | 3.20% | 2.74% | 2.70% | 2.82% | 2.81% | -39 bps | |
| Efficiency Ratio | 68.54% | 71.75% | 74.78% | 75.61% | 87.71% | 87.82% | 90.74% | 87.00% | +1,139 bps | |
| Non-Interest Burden | 2.61% | 2.50% | 2.39% | 2.31% | 2.33% | 2.31% | 2.52% | 2.38% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.81% | 8.90% | 6.89% | 16.53% | 15.35% | 12.39% | 13.59% | -1.05% | -1,759 bps | |
| Loan Growth (YoY) | 9.53% | 5.97% | 6.00% | 9.80% | 18.94% | 12.34% | 12.81% | 10.68% | +88 bps | |
| Deposit Growth (YoY) | 1.90% | 10.95% | 6.79% | 23.30% | 12.36% | 12.60% | 12.79% | -5.53% | -2,883 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.46% | 1.84% | 0.88% | 1.77% | 1.72% | 1.91% | 1.63% | 1.62% | -15 bps | |
| Net Charge-Offs / Loans | -0.05% | 0.01% | 0.00% | -0.01% | 0.00% | 0.00% | -0.01% | -0.01% | 0 bps | |
| Allowance / Loans | 1.26% | 1.20% | 1.19% | 1.18% | 1.15% | 1.17% | 1.17% | 1.16% | -2 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.7x | 1.4x | 0.7x | 0.7x | 0.6x | 0.7x | 0.7x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.68% | 11.13% | 10.81% | 10.71% | 10.56% | 10.35% | 10.37% | 10.35% | -36 bps | |
| Total Risk-Based Capital | 13.78% | 13.26% | 13.03% | 12.59% | 12.22% | 12.54% | 12.21% | 12.12% | -46 bps | |
| Equity / Assets | 9.03% | 8.56% | 8.25% | 8.12% | 8.33% | 8.27% | 8.57% | 8.93% | +81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.23% | 78.31% | 80.06% | 76.80% | 83.87% | 78.13% | 80.07% | 89.98% | +1,318 bps | |
| Liquid Assets / Assets | 3.94% | 5.49% | 5.33% | 4.99% | 1.27% | 4.69% | 7.88% | 1.66% | -334 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
Atlanta, GA · Cert 58523 · Peer group: banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=22-23)
FDIC · 2 branches
Q4 2024
Return on Assets
0.45%
Rank 21 of 23
Net Interest Margin
2.81%
Rank 19 of 23
Efficiency Ratio
87.00%
Rank 20 of 23
Equity / Assets
8.93%
Rank 17 of 23
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.45% | 0.78% | 1.10% | 1.39% | Beats 9% | 21 / 23 | ||
| Return on Equity | 5.00% | 6.08% | 10.85% | 17.13% | Beats 13% | 20 / 23 | ||
| Net Interest Margin | 2.81% | 3.35% | 3.56% | 4.53% | Beats 17% | 19 / 23 | ||
| Efficiency Ratio | 87.00% | 53.61% | 61.75% | 77.76% | Beats 17% | 20 / 23 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.62% | 0.04% | 0.92% | 1.62% | Beats 27% | 17 / 22 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.04% | 0.11% | Beats 100% | 5 / 22 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.16% | 13.51% | 16.15% | 18.07% | Beats 9% | 21 / 23 | ||
| Total Risk-Based Capital Ratio | 12.12% | 14.76% | 17.35% | 19.32% | Beats 9% | 21 / 23 | ||
| Equity / Assets | 8.93% | 8.70% | 10.81% | 12.24% | Beats 26% | 17 / 23 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 89.98% | 71.82% | 82.27% | 94.01% | 61st pctl | 9 / 23 | ||
| Loans / Assets | 78.42% | 65.02% | 72.64% | 78.81% | 68th pctl | 7 / 22 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||