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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.55% | 0.60% | 0.65% | 0.71% | 0.78% | +22 bps | |
| Return on Equity | 6.08% | 6.62% | 7.05% | 7.61% | 7.89% | +181 bps | |
| Net Interest Margin | 2.62% | 2.50% | 2.55% | 2.64% | 2.76% | +15 bps | |
| Efficiency Ratio | 76.10% | 73.86% | 72.16% | 71.52% | 67.99% | -811 bps | |
| Non-Interest Burden | 1.89% | 1.74% | 1.72% | 1.76% | 1.76% | -13 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.86% | 5.36% | 5.53% | 3.72% | -3.64% | -950 bps | |
| Loan Growth (YoY) | 3.82% | 5.65% | 4.90% | 3.64% | 3.41% | -41 bps | |
| Deposit Growth (YoY) | 2.56% | 5.94% | 5.24% | 7.87% | -0.20% | -276 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.62% | 1.42% | 1.82% | 1.14% | 1.52% | -11 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.01% | 0.01% | 0.09% | +6 bps | |
| Allowance / Loans | 1.29% | 1.28% | 1.29% | 1.36% | 1.35% | +6 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.9x | 0.7x | 1.2x | 0.9x | +0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.14% | 10.66% | 10.83% | 11.09% | 11.44% | +29 bps | |
| Total Risk-Based Capital | 15.69% | 15.63% | 15.71% | 15.83% | 15.64% | -5 bps | |
| Equity / Assets | 8.83% | 9.01% | 9.48% | 9.64% | 10.09% | +126 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.40% | 93.08% | 93.87% | 95.33% | 93.67% | +327 bps | |
| Liquid Assets / Assets | 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 |