Rake, IA · Cert 8513
FDIC · 1 branch
Q3 2025
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.53% | 1.62% | 1.71% | 1.73% | 1.58% | 1.51% | 1.62% | 1.71% | -2 bps | |
| Return on Equity | 12.03% | 12.34% | 12.78% | 12.75% | 11.54% | 10.75% | 11.36% | 11.83% | -92 bps | |
| Net Interest Margin | 3.35% | 3.51% | 3.55% | 3.56% | 3.52% | 3.20% | 3.45% | 3.53% | -3 bps | |
| Efficiency Ratio | 40.15% | 38.44% | 36.63% | 36.36% | 41.33% | 39.85% | 38.48% | 36.89% | +53 bps | |
| Non-Interest Burden | 1.30% | 1.31% | 1.26% | 1.25% | 1.42% | 1.24% | 1.29% | 1.26% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.06% | -0.10% | 2.19% | 1.36% | -2.54% | 3.23% | 0.44% | 1.37% | 0 bps | |
| Loan Growth (YoY) | 7.40% | 18.43% | 11.06% | 6.97% | -1.77% | 1.39% | 7.35% | 4.97% | -200 bps | |
| Deposit Growth (YoY) | 3.20% | -1.71% | 0.94% | -0.36% | 5.00% | 2.43% | -0.69% | 0.62% | +98 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.40% | 1.12% | 0.37% | 0.82% | 0.84% | 0.56% | 0.52% | 0.52% | -30 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.00% | 0.00% | 0.00% | 0.05% | 0.39% | 0.19% | 0.13% | +13 bps | |
| Allowance / Loans | 1.90% | 1.85% | 1.90% | 1.90% | 1.88% | 1.68% | 1.63% | 1.66% | -24 bps | |
| Allowance Coverage of NPLs | 4.7x | 1.7x | 5.2x | 2.3x | 2.2x | 3.0x | 3.2x | 3.2x | +0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.24% | 13.79% | 14.05% | 14.39% | 14.04% | 14.00% | 14.69% | 15.06% | +67 bps | |
| Total Risk-Based Capital | 13.24% | 13.79% | 14.05% | 14.39% | 14.04% | 14.00% | 14.69% | 15.06% | +67 bps | |
| Equity / Assets | 12.63% | 13.57% | 13.96% | 14.30% | 13.95% | 14.09% | 14.83% | 15.01% | +71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.76% | 89.40% | 87.17% | 87.04% | 84.90% | 88.50% | 94.24% | 90.79% | +376 bps | |
| Liquid Assets / Assets | 17.46% | 15.77% | 14.87% | 15.13% | 17.85% | 16.41% | 15.93% | 13.90% | -123 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 20.98% | n/a | n/a |