Westminster, CO · Cert 58772
FDIC · 1 branch
Q3 2024
Market Position · Denver-Aurora-Centennial, CO · 2024 SOD (annual) · 0.1% share · #44 of 68 inst. · $0.1B of $110.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.24% | 1.22% | 0.85% | 1.11% | 1.04% | 0.57% | 0.84% | 0.45% | -66 bps | |
| Return on Equity | 11.31% | 11.12% | 7.67% | 10.18% | 9.40% | 4.98% | 7.13% | 3.65% | -653 bps | |
| Net Interest Margin | 4.68% | 4.12% | 3.92% | 3.83% | 3.78% | 3.44% | 3.84% | 3.64% | -19 bps | |
| Efficiency Ratio | 66.17% | 65.45% | 72.74% | 68.16% | 69.91% | 77.68% | 71.74% | 75.21% | +704 bps | |
| Non-Interest Burden | 3.02% | 2.52% | 2.79% | 2.44% | 2.62% | 2.66% | 2.74% | 2.72% | +28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.56% | 3.43% | 7.90% | 13.40% | 2.84% | 8.28% | -3.10% | -5.81% | -1,921 bps | |
| Loan Growth (YoY) | 10.60% | 5.05% | 7.16% | 7.53% | 3.09% | 4.50% | -0.70% | -1.22% | -875 bps | |
| Deposit Growth (YoY) | -3.21% | 1.82% | -1.88% | 4.68% | 3.83% | 6.58% | 1.07% | -1.72% | -640 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.29% | 0.29% | 0.26% | 0.24% | 0.23% | 0.22% | 0.22% | 0.23% | -2 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.03% | 0.00% | 0.00% | 0.00% | 0.02% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.42% | 1.47% | 1.42% | 1.40% | 1.39% | 1.41% | 1.43% | 1.41% | +2 bps | |
| Allowance Coverage of NPLs | 4.9x | 5.1x | 5.5x | 5.8x | 6.0x | 6.3x | 6.5x | 6.3x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.42% | 11.45% | 11.48% | 11.29% | 11.63% | 11.60% | 12.08% | 12.15% | +86 bps | |
| Total Risk-Based Capital | 13.42% | 14.10% | 13.96% | 14.08% | 14.41% | 15.24% | 15.19% | 15.55% | +147 bps | |
| Equity / Assets | 10.81% | 11.22% | 10.96% | 10.76% | 11.48% | 11.28% | 12.28% | 12.20% | +144 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 116.71% | 105.56% | 112.39% | 109.77% | 115.87% | 103.50% | 110.43% | 110.32% | +55 bps | |
| Liquid Assets / Assets | 9.02% | 9.57% | 9.90% | 13.08% | 9.81% | 12.00% | 8.30% | 9.26% | -382 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |