Hampton, VA · Cert 6892
FDIC · 14 branches
Q2 2025
Market Position · Virginia Beach-Chesapeake-Norfolk, VA-NC · 2025 SOD (annual) · 4.0% share · #6 of 21 inst. · $1.2B of $30.0B
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 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.68% | 0.71% | 0.75% | 0.60% | 0.65% | -4 bps | |
| Return on Equity | 7.74% | 7.91% | 8.27% | 6.35% | 6.74% | -100 bps | |
| Net Interest Margin | 3.33% | 3.32% | 3.32% | 3.41% | 3.45% | +12 bps | |
| Efficiency Ratio | 78.08% | 76.57% | 76.02% | 74.80% | 75.27% | -281 bps | |
| Non-Interest Burden | 2.48% | 2.41% | 2.39% | 2.43% | 2.48% | 0 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.44% | 2.05% | 0.45% | 0.55% | -1.33% | +11 bps | |
| Loan Growth (YoY) | -3.74% | -5.29% | -6.53% | -5.15% | -4.58% | -84 bps | |
| Deposit Growth (YoY) | 0.57% | 3.37% | 2.08% | 2.24% | -2.45% | -302 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.05% | 0.10% | 0.10% | 0.19% | 0.10% | +5 bps | |
| Net Charge-Offs / Loans | 0.12% | 0.15% | 0.15% | 0.14% | 0.14% | +1 bps | |
| Allowance / Loans | 1.12% | 1.14% | 1.13% | 1.17% | 1.19% | +7 bps | |
| Allowance Coverage of NPLs | 22.6x | 11.7x | 11.5x | 6.0x | 12.2x | -10.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.87% | 9.99% | 10.06% | 10.45% | 10.57% | +71 bps | |
| Total Risk-Based Capital | 13.12% | 13.80% | 13.98% | 14.08% | 14.36% | +124 bps | |
| Equity / Assets | 9.08% | 9.29% | 9.31% | 9.50% | 9.94% | +86 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.03% | 79.91% | 80.15% | 80.43% | 83.17% | -186 bps | |
| Liquid Assets / Assets | 5.42% | 10.60% | 8.47% | 8.30% | 5.87% | +45 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |