Home > Founders Bank > Performance and Condition Ratios
Founders Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9120% | 1,315 |
| Cost of funding earning assets | 2.2832% | 1,254 |
| Net interest margin | 3.6287% | 2,017 |
| Noninterest income to average assets | 0.1000% | 4,126 |
| Noninterest expense to average assets | 3.0410% | 1,075 |
| Loan and lease loss provision to assets | 0.3000% | 367 |
| Net operating income to assets | 0.1388% | 4,042 |
| Return on assets (ROA) | 0.1388% | 4,069 |
| Pretax return on assets | 0.2298% | 4,011 |
| Return on Equity (ROE) | 0.9600% | 4,098 |
| Retained earnings to average equity (ytd only) | 0.9600% | 3,510 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 85.1816% | 683 |
| Assets per employee ($millions) | 11.3914% | 534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9431% | 3,467 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 83.0700% | 301 |
| Net loans and leases to deposits | 101.9621% | 339 |
| Net loans and leases to core deposits | 127.9729% | 363 |
| Total domestic deposits to total assets | 81.4700% | 3,405 |
| Equity capital to assets | 13.9952% | 701 |
| Core capital (leverage) ratio | 14.6706% | 651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $351,596,000 | 2,257 |
| Average earning assets | $336,538,500 | 2,199 |
| Average equity | $50,835,500 | 1,736 |
| Average total loans | $290,694,000 | 1,922 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9847% | 1,311 |
| Cost of funding earning assets | 2.4544% | 1,240 |
| Net interest margin | 3.5303% | 2,013 |
| Noninterest income to average assets | 0.0300% | 4,404 |
| Noninterest expense to average assets | 2.9813% | 1,178 |
| Loan and lease loss provision to assets | 0.0600% | 2,000 |
| Net operating income to assets | 0.8325% | 2,599 |
| Return on assets (ROA) | 0.6952% | 3,023 |
| Pretax return on assets | 0.2601% | 3,970 |
| Return on Equity (ROE) | 4.4500% | 3,618 |
| Retained earnings to average equity (ytd only) | 4.4497% | 2,454 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 86.7907% | 642 |
| Assets per employee ($millions) | 11.2889% | 528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9543% | 3,446 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 80.6300% | 581 |
| Net loans and leases to deposits | 102.2106% | 388 |
| Net loans and leases to core deposits | 122.2265% | 535 |
| Total domestic deposits to total assets | 78.8900% | 3,683 |
| Equity capital to assets | 14.9572% | 557 |
| Core capital (leverage) ratio | 15.0075% | 596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $316,040,000 | 2,383 |
| Average earning assets | $305,126,200 | 2,312 |
| Average equity | $49,374,000 | 1,731 |
| Average total loans | $251,672,800 | 2,068 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9495% | 1,324 |
| Cost of funding earning assets | 2.4929% | 1,182 |
| Net interest margin | 3.4567% | 2,122 |
| Noninterest income to average assets | 0.0200% | 4,441 |
| Noninterest expense to average assets | 3.0190% | 1,089 |
| Loan and lease loss provision to assets | 0.1200% | 1,074 |
| Net operating income to assets | 0.8428% | 2,548 |
| Return on assets (ROA) | 0.8428% | 2,567 |
| Pretax return on assets | 0.2272% | 4,035 |
| Return on Equity (ROE) | 5.3300% | 3,453 |
| Retained earnings to average equity (ytd only) | 5.3328% | 2,333 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 89.5743% | 555 |
| Assets per employee ($millions) | 10.3647% | 689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9884% | 3,305 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 79.4600% | 699 |
| Net loans and leases to deposits | 101.6495% | 413 |
| Net loans and leases to core deposits | 120.7512% | 598 |
| Total domestic deposits to total assets | 78.1700% | 3,706 |
| Equity capital to assets | 15.1557% | 565 |
| Core capital (leverage) ratio | 15.3547% | 583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $310,383,500 | 2,409 |
| Average earning assets | $300,474,750 | 2,334 |
| Average equity | $49,053,750 | 1,731 |
| Average total loans | $245,664,250 | 2,091 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8484% | 1,382 |
| Cost of funding earning assets | 2.4403% | 1,184 |
| Net interest margin | 3.4081% | 2,154 |
| Noninterest income to average assets | 0.0200% | 4,460 |
| Noninterest expense to average assets | 3.0169% | 1,079 |
| Loan and lease loss provision to assets | 0.1700% | 664 |
| Net operating income to assets | 1.1619% | 1,572 |
| Return on assets (ROA) | 1.1619% | 1,572 |
| Pretax return on assets | 0.1339% | 4,126 |
| Return on Equity (ROE) | 7.2400% | 2,943 |
| Retained earnings to average equity (ytd only) | 7.2437% | 1,583 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 90.7738% | 524 |
| Assets per employee ($millions) | 9.8639% | 758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0310% | 3,122 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 79.1900% | 775 |
| Net loans and leases to deposits | 102.3519% | 436 |
| Net loans and leases to core deposits | 121.7896% | 586 |
| Total domestic deposits to total assets | 77.3700% | 3,775 |
| Equity capital to assets | 15.7173% | 502 |
| Core capital (leverage) ratio | 16.2088% | 468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $303,288,000 | 2,436 |
| Average earning assets | $293,653,333 | 2,361 |
| Average equity | $48,649,333 | 1,724 |
| Average total loans | $238,822,000 | 2,122 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6908% | 1,486 |
| Cost of funding earning assets | 2.3743% | 1,204 |
| Net interest margin | 3.3165% | 2,309 |
| Noninterest income to average assets | 0.0200% | 4,459 |
| Noninterest expense to average assets | 3.0346% | 1,051 |
| Loan and lease loss provision to assets | 0.0500% | 1,722 |
| Net operating income to assets | 2.3278% | 294 |
| Return on assets (ROA) | 2.3278% | 297 |
| Pretax return on assets | 0.1602% | 4,092 |
| Return on Equity (ROE) | 14.3600% | 1,080 |
| Retained earnings to average equity (ytd only) | 14.3579% | 476 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 93.6047% | 456 |
| Assets per employee ($millions) | 10.2786% | 678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0426% | 3,093 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 75.5000% | 1,134 |
| Net loans and leases to deposits | 97.6410% | 619 |
| Net loans and leases to core deposits | 122.6113% | 559 |
| Total domestic deposits to total assets | 77.3300% | 3,870 |
| Equity capital to assets | 16.0220% | 455 |
| Core capital (leverage) ratio | 17.5740% | 358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $297,109,500 | 2,480 |
| Average earning assets | $288,254,000 | 2,402 |
| Average equity | $48,168,500 | 1,722 |
| Average total loans | $231,947,500 | 2,159 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5133% | 1,137 |
| Cost of funding earning assets | 1.8851% | 1,096 |
| Net interest margin | 3.6282% | 1,907 |
| Noninterest income to average assets | 0.0200% | 4,491 |
| Noninterest expense to average assets | 2.7799% | 1,553 |
| Loan and lease loss provision to assets | 0.2000% | 621 |
| Net operating income to assets | 0.5104% | 3,647 |
| Return on assets (ROA) | 0.5104% | 3,644 |
| Pretax return on assets | 0.5587% | 3,708 |
| Return on Equity (ROE) | 2.9000% | 4,038 |
| Retained earnings to average equity (ytd only) | 2.9045% | 3,310 |
| Net charge-offs to loans | 0.0010% | 2,842 |
| Credit loss provision to net charge-offs | 19,350.0000% | 23 |
| Earnings coverage of net charge-offs (x) | 992.0000% | 156 |
| Efficiency ratio | 78.5142% | 1,027 |
| Assets per employee ($millions) | 9.8573% | 741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0603% | 3,026 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 79.1300% | 748 |
| Net loans and leases to deposits | 102.9371% | 403 |
| Net loans and leases to core deposits | 132.5856% | 367 |
| Total domestic deposits to total assets | 76.8700% | 3,858 |
| Equity capital to assets | 16.4178% | 429 |
| Core capital (leverage) ratio | 17.4897% | 371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $260,796,600 | 2,618 |
| Average earning assets | $252,989,800 | 2,549 |
| Average equity | $45,825,400 | 1,715 |
| Average total loans | $203,424,800 | 2,264 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3869% | 1,149 |
| Cost of funding earning assets | 1.7663% | 1,068 |
| Net interest margin | 3.6206% | 1,945 |
| Noninterest income to average assets | 0.0200% | 4,512 |
| Noninterest expense to average assets | 2.8742% | 1,275 |
| Loan and lease loss provision to assets | 0.2400% | 425 |
| Net operating income to assets | 0.3693% | 4,010 |
| Return on assets (ROA) | 0.3693% | 4,012 |
| Pretax return on assets | 0.4123% | 4,047 |
| Return on Equity (ROE) | 2.0600% | 4,188 |
| Retained earnings to average equity (ytd only) | 2.0637% | 3,717 |
| Net charge-offs to loans | 0.0014% | 2,561 |
| Credit loss provision to net charge-offs | 16,900.0000% | 20 |
| Earnings coverage of net charge-offs (x) | 626.0000% | 251 |
| Efficiency ratio | 81.4216% | 768 |
| Assets per employee ($millions) | 10.0514% | 654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0787% | 2,976 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 77.3900% | 955 |
| Net loans and leases to deposits | 101.3263% | 458 |
| Net loans and leases to core deposits | 122.7098% | 489 |
| Total domestic deposits to total assets | 76.3800% | 3,984 |
| Equity capital to assets | 16.2188% | 432 |
| Core capital (leverage) ratio | 18.0901% | 349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $254,530,500 | 2,663 |
| Average earning assets | $246,691,500 | 2,595 |
| Average equity | $45,548,750 | 1,706 |
| Average total loans | $197,126,250 | 2,309 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2932% | 1,089 |
| Cost of funding earning assets | 1.6693% | 932 |
| Net interest margin | 3.6239% | 1,980 |
| Noninterest income to average assets | 0.0200% | 4,546 |
| Noninterest expense to average assets | 2.8954% | 1,221 |
| Loan and lease loss provision to assets | 0.2300% | 445 |
| Net operating income to assets | 0.3665% | 4,059 |
| Return on assets (ROA) | 0.3665% | 4,078 |
| Pretax return on assets | 0.4040% | 4,114 |
| Return on Equity (ROE) | 1.9800% | 4,277 |
| Retained earnings to average equity (ytd only) | 1.9773% | 3,730 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 82.0448% | 707 |
| Assets per employee ($millions) | 9.8358% | 698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1106% | 2,906 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 77.1200% | 925 |
| Net loans and leases to deposits | 104.0926% | 367 |
| Net loans and leases to core deposits | 128.7087% | 349 |
| Total domestic deposits to total assets | 74.0900% | 4,187 |
| Equity capital to assets | 17.8235% | 351 |
| Core capital (leverage) ratio | 19.2032% | 299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $245,561,000 | 2,722 |
| Average earning assets | $237,699,333 | 2,655 |
| Average equity | $45,516,333 | 1,708 |
| Average total loans | $189,441,667 | 2,357 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1759% | 984 |
| Cost of funding earning assets | 1.5756% | 728 |
| Net interest margin | 3.6002% | 2,127 |
| Noninterest income to average assets | 0.0200% | 4,597 |
| Noninterest expense to average assets | 2.8676% | 1,296 |
| Loan and lease loss provision to assets | 0.2200% | 458 |
| Net operating income to assets | 0.3859% | 4,107 |
| Return on assets (ROA) | 0.3859% | 4,058 |
| Pretax return on assets | 0.4158% | 4,112 |
| Return on Equity (ROE) | 2.0400% | 4,303 |
| Retained earnings to average equity (ytd only) | 2.0403% | 3,698 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 81.9002% | 713 |
| Assets per employee ($millions) | 10.1826% | 667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1348% | 2,884 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 76.0800% | 965 |
| Net loans and leases to deposits | 109.1525% | 198 |
| Net loans and leases to core deposits | 128.2104% | 298 |
| Total domestic deposits to total assets | 69.7000% | 4,424 |
| Equity capital to assets | 18.6429% | 279 |
| Core capital (leverage) ratio | 19.6695% | 276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $240,476,500 | 2,788 |
| Average earning assets | $232,539,500 | 2,723 |
| Average equity | $45,484,500 | 1,728 |
| Average total loans | $184,445,500 | 2,414 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7521% | 2,402 |
| Cost of funding earning assets | 0.6250% | 808 |
| Net interest margin | 3.1271% | 3,095 |
| Noninterest income to average assets | 0.0200% | 4,633 |
| Noninterest expense to average assets | 2.9697% | 1,010 |
| Loan and lease loss provision to assets | 0.4100% | 166 |
| Net operating income to assets | -0.3770% | 4,634 |
| Return on assets (ROA) | -0.3770% | 4,622 |
| Pretax return on assets | -0.3695% | 4,613 |
| Return on Equity (ROE) | -2.2500% | 4,590 |
| Retained earnings to average equity (ytd only) | -2.2457% | 4,494 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 98.6482% | 164 |
| Assets per employee ($millions) | 9.4628% | 793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0457% | 3,143 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 75.6400% | 1,037 |
| Net loans and leases to deposits | 106.6714% | 232 |
| Net loans and leases to core deposits | 131.7994% | 208 |
| Total domestic deposits to total assets | 70.9100% | 4,452 |
| Equity capital to assets | 19.1947% | 247 |
| Core capital (leverage) ratio | 21.3102% | 215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $186,751,200 | 3,131 |
| Average earning assets | $178,567,400 | 3,077 |
| Average equity | $31,348,800 | 2,279 |
| Average total loans | $134,242,600 | 2,783 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3658% | 3,001 |
| Cost of funding earning assets | 0.4513% | 975 |
| Net interest margin | 2.9144% | 3,451 |
| Noninterest income to average assets | 0.0200% | 4,670 |
| Noninterest expense to average assets | 3.1547% | 726 |
| Loan and lease loss provision to assets | 0.3200% | 209 |
| Net operating income to assets | -0.6747% | 4,692 |
| Return on assets (ROA) | -0.6747% | 4,681 |
| Pretax return on assets | -0.6747% | 4,674 |
| Return on Equity (ROE) | -4.2200% | 4,656 |
| Retained earnings to average equity (ytd only) | -4.2250% | 4,581 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 112.7700% | 85 |
| Assets per employee ($millions) | 8.6654% | 999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0243% | 3,368 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 68.6900% | 1,594 |
| Net loans and leases to deposits | 103.8851% | 244 |
| Net loans and leases to core deposits | 113.2993% | 381 |
| Total domestic deposits to total assets | 66.1200% | 4,584 |
| Equity capital to assets | 20.7966% | 198 |
| Core capital (leverage) ratio | 24.7626% | 155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $174,296,250 | 3,262 |
| Average earning assets | $166,021,000 | 3,217 |
| Average equity | $27,833,750 | 2,470 |
| Average total loans | $122,592,500 | 2,907 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1173% | 3,263 |
| Cost of funding earning assets | 0.3396% | 1,365 |
| Net interest margin | 2.7777% | 3,507 |
| Noninterest income to average assets | 0.0200% | 4,703 |
| Noninterest expense to average assets | 3.3324% | 524 |
| Loan and lease loss provision to assets | 0.2697% | 256 |
| Net operating income to assets | -0.9477% | 4,716 |
| Return on assets (ROA) | -0.9477% | 4,710 |
| Pretax return on assets | -0.9477% | 4,701 |
| Return on Equity (ROE) | -6.8706% | 4,701 |
| Retained earnings to average equity (ytd only) | -6.8706% | 4,591 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.5409% | 67 |
| Assets per employee ($millions) | 7.9865% | 1,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0359% | 3,443 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 72.9121% | 1,017 |
| Net loans and leases to deposits | 101.4179% | 229 |
| Net loans and leases to core deposits | 106.6030% | 431 |
| Total domestic deposits to total assets | 71.8928% | 4,585 |
| Equity capital to assets | 11.9771% | 883 |
| Core capital (leverage) ratio | 14.0606% | 622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $160,183,000 | 3,410 |
| Average earning assets | $151,925,667 | 3,379 |
| Average equity | $22,094,000 | 2,883 |
| Average total loans | $113,341,667 | 3,025 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9750% | 3,327 |
| Cost of funding earning assets | 0.3290% | 1,388 |
| Net interest margin | 2.6460% | 3,539 |
| Noninterest income to average assets | 0.0210% | 4,718 |
| Noninterest expense to average assets | 3.4509% | 444 |
| Loan and lease loss provision to assets | 0.1548% | 503 |
| Net operating income to assets | -1.0733% | 4,739 |
| Return on assets (ROA) | -1.0733% | 4,735 |
| Pretax return on assets | -1.0733% | 4,729 |
| Return on Equity (ROE) | -7.2329% | 4,724 |
| Retained earnings to average equity (ytd only) | -7.2329% | 4,497 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 136.2694% | 61 |
| Assets per employee ($millions) | 7.3879% | 1,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0791% | 3,421 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 66.7815% | 1,332 |
| Net loans and leases to deposits | 84.0473% | 879 |
| Net loans and leases to core deposits | 88.2427% | 1,008 |
| Total domestic deposits to total assets | 79.4571% | 4,317 |
| Equity capital to assets | 13.5720% | 591 |
| Core capital (leverage) ratio | 15.1698% | 414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $152,423,500 | 3,490 |
| Average earning assets | $144,672,000 | 3,467 |
| Average equity | $22,619,000 | 2,931 |
| Average total loans | $105,288,000 | 3,123 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5484% | 4,447 |
| Cost of funding earning assets | 0.3180% | 2,218 |
| Net interest margin | 2.2305% | 4,468 |
| Noninterest income to average assets | 0.0230% | 4,765 |
| Noninterest expense to average assets | 3.9061% | 316 |
| Loan and lease loss provision to assets | 0.6431% | 75 |
| Net operating income to assets | -2.4380% | 4,819 |
| Return on assets (ROA) | -2.4380% | 4,819 |
| Pretax return on assets | -2.4380% | 4,815 |
| Return on Equity (ROE) | -11.2290% | 4,810 |
| Retained earnings to average equity (ytd only) | -11.2290% | 4,775 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 185.0209% | 22 |
| Assets per employee ($millions) | 7.1157% | 1,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1155% | 3,295 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 70.0739% | 1,034 |
| Net loans and leases to deposits | 96.6374% | 293 |
| Net loans and leases to core deposits | 101.9558% | 455 |
| Total domestic deposits to total assets | 72.5122% | 4,629 |
| Equity capital to assets | 16.2872% | 350 |
| Core capital (leverage) ratio | 17.3463% | 277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,206,400 | 3,865 |
| Average earning assets | $105,986,000 | 3,844 |
| Average equity | $24,579,200 | 2,877 |
| Average total loans | $63,540,200 | 3,767 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4017% | 4,634 |
| Cost of funding earning assets | 0.3159% | 2,446 |
| Net interest margin | 2.0858% | 4,631 |
| Noninterest income to average assets | 0.0201% | 4,847 |
| Noninterest expense to average assets | 4.1951% | 251 |
| Loan and lease loss provision to assets | 0.5711% | 91 |
| Net operating income to assets | -2.8018% | 4,895 |
| Return on assets (ROA) | -2.8018% | 4,895 |
| Pretax return on assets | -2.8018% | 4,892 |
| Return on Equity (ROE) | -11.9054% | 4,887 |
| Retained earnings to average equity (ytd only) | -11.9054% | 4,859 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 213.5170% | 21 |
| Assets per employee ($millions) | 6.6213% | 2,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1262% | 3,309 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 59.3876% | 2,333 |
| Net loans and leases to deposits | 77.4973% | 1,523 |
| Net loans and leases to core deposits | 82.9930% | 1,498 |
| Total domestic deposits to total assets | 76.6319% | 4,514 |
| Equity capital to assets | 18.9867% | 229 |
| Core capital (leverage) ratio | 19.1469% | 218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $105,929,500 | 3,985 |
| Average earning assets | $98,759,250 | 3,968 |
| Average equity | $24,929,250 | 2,890 |
| Average total loans | $54,212,750 | 3,977 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1758% | 4,767 |
| Cost of funding earning assets | 0.2975% | 2,794 |
| Net interest margin | 1.8783% | 4,763 |
| Noninterest income to average assets | 0.0181% | 4,888 |
| Noninterest expense to average assets | 4.1750% | 254 |
| Loan and lease loss provision to assets | 0.5277% | 97 |
| Net operating income to assets | -2.9425% | 4,931 |
| Return on assets (ROA) | -2.9425% | 4,931 |
| Pretax return on assets | -2.9425% | 4,928 |
| Return on Equity (ROE) | -11.5599% | 4,919 |
| Retained earnings to average equity (ytd only) | -11.5599% | 4,879 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 237.1854% | 18 |
| Assets per employee ($millions) | 6.3505% | 2,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1048% | 3,390 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 48.8894% | 3,654 |
| Net loans and leases to deposits | 65.1212% | 2,887 |
| Net loans and leases to core deposits | 70.4737% | 2,737 |
| Total domestic deposits to total assets | 75.0746% | 4,615 |
| Equity capital to assets | 20.3481% | 175 |
| Core capital (leverage) ratio | 22.2060% | 126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,304,667 | 4,072 |
| Average earning assets | $92,102,667 | 4,065 |
| Average equity | $25,277,000 | 2,858 |
| Average total loans | $47,096,000 | 4,132 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0633% | 4,820 |
| Cost of funding earning assets | 0.2800% | 3,189 |
| Net interest margin | 1.7833% | 4,815 |
| Noninterest income to average assets | 0.0135% | 4,917 |
| Noninterest expense to average assets | 4.4546% | 217 |
| Loan and lease loss provision to assets | 0.6093% | 94 |
| Net operating income to assets | -3.4121% | 4,962 |
| Return on assets (ROA) | -3.4121% | 4,962 |
| Pretax return on assets | -3.4121% | 4,960 |
| Return on Equity (ROE) | -11.7943% | 4,944 |
| Retained earnings to average equity (ytd only) | -11.7943% | 4,840 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 269.6721% | 11 |
| Assets per employee ($millions) | 5.2714% | 3,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1270% | 3,303 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 49.1880% | 3,698 |
| Net loans and leases to deposits | 72.6356% | 2,253 |
| Net loans and leases to core deposits | 78.9205% | 2,099 |
| Total domestic deposits to total assets | 67.7188% | 4,812 |
| Equity capital to assets | 26.4931% | 80 |
| Core capital (leverage) ratio | 28.7535% | 70 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,627,000 | 4,207 |
| Average earning assets | $81,422,000 | 4,199 |
| Average equity | $25,639,500 | 2,825 |
| Average total loans | $40,819,500 | 4,285 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8753% | 4,976 |
| Cost of funding earning assets | 0.1520% | 4,722 |
| Net interest margin | 0.7233% | 4,975 |
| Noninterest income to average assets | 0.0091% | 4,941 |
| Noninterest expense to average assets | 5.0963% | 185 |
| Loan and lease loss provision to assets | 0.7205% | 213 |
| Net operating income to assets | -5.1599% | 4,988 |
| Return on assets (ROA) | -5.1599% | 4,988 |
| Pretax return on assets | -5.1599% | 4,989 |
| Return on Equity (ROE) | -10.3196% | 4,946 |
| Retained earnings to average equity (ytd only) | -10.3196% | 4,914 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 775.6906% | 4 |
| Assets per employee ($millions) | 4.5761% | 3,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1529% | 3,200 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 41.3238% | 4,387 |
| Net loans and leases to deposits | 67.2050% | 3,162 |
| Net loans and leases to core deposits | 74.3366% | 2,882 |
| Total domestic deposits to total assets | 61.4892% | 4,901 |
| Equity capital to assets | 31.7365% | 56 |
| Core capital (leverage) ratio | 38.2939% | 46 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,098,500 | 4,589 |
| Average earning assets | $49,356,000 | 4,596 |
| Average equity | $27,549,500 | 2,633 |
| Average total loans | $15,669,500 | 4,791 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5223% | 5,024 |
| Cost of funding earning assets | 0.1208% | 4,877 |
| Net interest margin | 0.4015% | 5,025 |
| Noninterest income to average assets | 0.0058% | 4,978 |
| Noninterest expense to average assets | 5.1207% | 179 |
| Loan and lease loss provision to assets | 0.7238% | 281 |
| Net operating income to assets | -5.4829% | 5,016 |
| Return on assets (ROA) | -5.4829% | 5,016 |
| Pretax return on assets | -5.4829% | 5,015 |
| Return on Equity (ROE) | -9.0032% | 4,956 |
| Retained earnings to average equity (ytd only) | -9.0032% | 4,916 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,413.6000% | 1 |
| Assets per employee ($millions) | 3.6212% | 4,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1771% | 2,796 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 34.0946% | 4,739 |
| Net loans and leases to deposits | 72.4633% | 3,089 |
| Net loans and leases to core deposits | 77.8437% | 3,020 |
| Total domestic deposits to total assets | 47.0509% | 4,981 |
| Equity capital to assets | 43.9434% | 34 |
| Core capital (leverage) ratio | 48.4293% | 34 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,008,333 | 4,723 |
| Average earning assets | $40,841,333 | 4,728 |
| Average equity | $28,019,000 | 2,597 |
| Average total loans | $9,414,333 | 4,930 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1351% | 5,063 |
| Cost of funding earning assets | 0.0529% | 5,024 |
| Net interest margin | 0.0822% | 5,062 |
| Noninterest income to average assets | 0.0000% | 5,011 |
| Noninterest expense to average assets | 4.4622% | 260 |
| Loan and lease loss provision to assets | 0.4185% | 943 |
| Net operating income to assets | -4.8075% | 5,049 |
| Return on assets (ROA) | -4.8075% | 5,049 |
| Pretax return on assets | -4.8075% | 5,047 |
| Return on Equity (ROE) | -6.4486% | 4,948 |
| Retained earnings to average equity (ytd only) | -6.4486% | 4,830 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 6,092.8571% | 1 |
| Assets per employee ($millions) | 3.1589% | 4,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1422% | 2,816 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 14.6128% | 4,990 |
| Net loans and leases to deposits | 50.9193% | 4,495 |
| Net loans and leases to core deposits | 50.9193% | 4,605 |
| Total domestic deposits to total assets | 28.6981% | 5,036 |
| Equity capital to assets | 59.2196% | 31 |
| Core capital (leverage) ratio | 77.0392% | 22 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $38,232,000 | 4,842 |
| Average earning assets | $34,053,500 | 4,839 |
| Average equity | $28,502,500 | 2,548 |
| Average total loans | $3,502,000 | 5,028 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 5,114 |
| Cost of funding earning assets | 0.0000% | 5,101 |
| Net interest margin | 0.0000% | 5,113 |
| Noninterest income to average assets | 0.0000% | 5,056 |
| Noninterest expense to average assets | 0.1651% | 5,111 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.1651% | 4,833 |
| Return on assets (ROA) | -0.1651% | 4,812 |
| Pretax return on assets | -0.1651% | 4,796 |
| Return on Equity (ROE) | -0.1658% | 4,752 |
| Retained earnings to average equity (ytd only) | -0.1658% | 4,020 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | NA | NA |
| Assets per employee ($millions) | 2.6437% | 4,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,086 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0000% | 5,124 |
| Equity capital to assets | 99.5323% | 1 |
| Core capital (leverage) ratio | 99.5323% | 3 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $29,081,000 | 4,981 |
| Average earning assets | $27,990,000 | 4,962 |
| Average equity | $28,945,000 | 2,520 |
| Average total loans | NA | NA |