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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 0.59% | -0.67% | 0.55% | 0.64% | 0.74% | 0.87% | 0.78% | +22 bps | |
| Return on Equity | 11.68% | 7.45% | -7.88% | 6.08% | 7.16% | 7.96% | 9.08% | 7.89% | +181 bps | |
| Net Interest Margin | 2.91% | 2.64% | 2.59% | 2.62% | 2.54% | 2.66% | 2.81% | 2.76% | +15 bps | |
| Efficiency Ratio | 65.72% | 72.71% | 92.27% | 76.10% | 71.69% | 69.05% | 69.78% | 67.99% | -811 bps | |
| Non-Interest Burden | 1.78% | 1.81% | 2.36% | 1.89% | 1.70% | 1.67% | 1.80% | 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 | 0.01% | 0.01% | 0.00% | 0.02% | 0.00% | 0.01% | 0.00% | 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 |