Croton, OH · Cert 9443
FDIC · 23 branches
Q4 2024
Market Position · Columbus, OH · 2024 SOD (annual) · 1.4% share · #9 of 54 inst. · $1.5B of $105.0B
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 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.13% | 1.14% | 1.15% | 1.16% | 1.16% | 1.16% | 1.15% | 1.18% | +1 bps | |
| Return on Equity | 12.08% | 12.30% | 12.54% | 12.67% | 12.36% | 12.37% | 12.13% | 12.39% | -28 bps | |
| Net Interest Margin | 3.70% | 3.52% | 3.43% | 3.38% | 3.24% | 3.20% | 3.17% | 3.09% | -29 bps | |
| Efficiency Ratio | 62.57% | 61.86% | 61.94% | 61.36% | 62.50% | 62.09% | 62.35% | 61.59% | +23 bps | |
| Non-Interest Burden | 2.11% | 1.95% | 1.89% | 1.84% | 1.80% | 1.76% | 1.75% | 1.67% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.67% | 20.85% | 16.60% | 13.25% | 6.31% | 6.12% | 5.58% | 4.67% | -858 bps | |
| Loan Growth (YoY) | 27.32% | 24.46% | 15.51% | 10.25% | 4.22% | 2.92% | 2.20% | 0.64% | -961 bps | |
| Deposit Growth (YoY) | 24.62% | 19.60% | 16.94% | 12.65% | 3.71% | 5.34% | 7.79% | 6.49% | -616 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.11% | 0.14% | 0.14% | 0.13% | 0.13% | 0.13% | 0.12% | 0.54% | +41 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.01% | 0.03% | 0.01% | 0.04% | 0.02% | 0.02% | 0 bps | |
| Allowance / Loans | 1.13% | 1.13% | 1.13% | 1.16% | 1.17% | 1.15% | 1.15% | 1.15% | -1 bps | |
| Allowance Coverage of NPLs | 10.3x | 7.9x | 8.2x | 8.6x | 9.1x | 8.6x | 9.5x | 2.1x | -6.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.94% | 9.78% | 9.69% | 9.76% | 9.81% | 9.94% | 9.98% | 9.95% | +19 bps | |
| Total Risk-Based Capital | 12.65% | 12.59% | 12.77% | 12.80% | 13.16% | 13.32% | 13.54% | 14.03% | +123 bps | |
| Equity / Assets | 9.18% | 9.10% | 8.85% | 9.34% | 9.43% | 9.45% | 9.75% | 9.54% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.86% | 95.88% | 95.48% | 93.54% | 93.32% | 93.67% | 90.53% | 88.40% | -514 bps | |
| Liquid Assets / Assets | 2.11% | 1.11% | 1.32% | 1.06% | 0.92% | 1.64% | 1.68% | 4.42% | +336 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |