Angola, NY · Cert 6947
FDIC · 19 branches
Q1 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2025, the quarter ended March 31, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets (n=289 to 295). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
67
Asset Quality
23
Profitability
29
Liquidity
49
Efficiency
37
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.
Angola, NY · Cert 6947
FDIC · 19 branches
Q1 2025
Market Position · Buffalo-Cheektowaga, NY · 2024 SOD (annual) · 2.6% share · #7 of 18 inst. · $1.6B of $61.6B
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 | 1.05% | 0.90% | 0.51% | 0.55% | 0.60% | 0.65% | 0.71% | 0.78% | +22 bps | |
| Return on Equity | 13.11% | 11.29% | 6.15% | 6.08% | 6.62% | 7.05% | 7.61% | 7.89% | +181 bps | |
| Net Interest Margin | 3.06% | 2.91% | 2.83% | 2.62% | 2.50% | 2.55% | 2.64% | 2.76% | +15 bps | |
| Efficiency Ratio | 64.22% | 66.84% | 72.69% | 76.10% | 73.86% | 72.16% | 71.52% | 67.99% | -811 bps | |
| Non-Interest Burden | 1.83% | 1.82% | 1.96% | 1.89% | 1.74% | 1.72% | 1.76% | 1.76% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.46% | 2.05% | -2.52% | 5.86% | 5.36% | 5.53% | 3.72% | -3.64% | -950 bps | |
| Loan Growth (YoY) | 3.53% | 4.79% | 2.90% | 3.82% | 5.65% | 4.90% | 3.64% | 3.41% | -41 bps | |
| Deposit Growth (YoY) | -9.23% | -3.82% | -2.33% | 2.56% | 5.94% | 5.24% | 7.87% | -0.20% | -276 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.66% | 1.60% | 1.59% | 1.62% | 1.42% | 1.82% | 1.14% | 1.52% | -11 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.02% | 0.01% | 0.01% | 0.01% | 0.09% | +6 bps | |
| Allowance / Loans | 1.28% | 1.28% | 1.28% | 1.29% | 1.28% | 1.29% | 1.36% | 1.35% | +6 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.8x | 0.8x | 0.8x | 0.9x | 0.7x | 1.2x | 0.9x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.14% | 10.11% | 10.84% | 11.14% | 10.66% | 10.83% | 11.09% | 11.44% | +29 bps | |
| Total Risk-Based Capital | 14.95% | 14.67% | 15.59% | 15.69% | 15.63% | 15.71% | 15.83% | 15.64% | -5 bps | |
| Equity / Assets | 8.15% | 7.72% | 9.43% | 8.83% | 9.01% | 9.48% | 9.64% | 10.09% | +126 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.34% | 94.17% | 99.21% | 90.40% | 93.08% | 93.87% | 95.33% | 93.67% | +327 bps | |
| Liquid Assets / Assets | 0.59% | 0.45% | 0.28% | 7.44% | 5.04% | 4.90% | 1.48% | 0.91% | -653 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
Angola, NY · Cert 6947 · Peer group: banks $1B-$10B in assets (n=289-295)
FDIC · 19 branches
Q1 2025
Return on Assets
0.78%
Rank 203 of 295
Net Interest Margin
2.76%
Rank 224 of 295
Efficiency Ratio
68.01%
Rank 186 of 293
Equity / Assets
10.09%
Rank 134 of 295
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.78% | 0.66% | 0.99% | 1.28% | Beats 31% | 203 / 295 | ||
| Return on Equity | 7.73% | 6.86% | 10.32% | 12.56% | Beats 32% | 202 / 295 | ||
| Net Interest Margin | 2.76% | 2.78% | 3.17% | 3.67% | Beats 24% | 224 / 295 | ||
| Efficiency Ratio | 68.01% | 55.64% | 64.40% | 72.15% | Beats 37% | 186 / 293 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.52% | 0.14% | 0.43% | 0.88% | Beats 12% | 256 / 289 | ||
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.03% | Beats 33% | 194 / 289 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.38% | 11.30% | 12.70% | 14.80% | Beats 72% | 83 / 295 | ||
| Total Risk-Based Capital Ratio | 15.64% | 12.21% | 13.57% | 15.83% | Beats 74% | 77 / 295 | ||
| Equity / Assets | 10.09% | 8.74% | 9.92% | 11.39% | Beats 55% | 134 / 295 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 93.67% | 77.01% | 86.08% | 94.78% | 72nd pctl | 80 / 290 | ||
| Loans / Assets | 81.78% | 65.46% | 73.72% | 80.10% | 82nd pctl | 53 / 289 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||