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Icon Business Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0473% | 309 |
| Cost of funding earning assets | 3.2300% | 193 |
| Net interest margin | 3.8173% | 1,646 |
| Noninterest income to average assets | 0.1400% | 3,907 |
| Noninterest expense to average assets | 7.8393% | 130 |
| Loan and lease loss provision to assets | 0.6500% | 142 |
| Net operating income to assets | -4.7638% | 4,431 |
| Return on assets (ROA) | -4.7638% | 4,470 |
| Pretax return on assets | -4.7638% | 4,469 |
| Return on Equity (ROE) | -33.7400% | 4,442 |
| Retained earnings to average equity (ytd only) | -33.7439% | 4,444 |
| Net charge-offs to loans | 0.3801% | 333 |
| Credit loss provision to net charge-offs | 257.3529% | 783 |
| Earnings coverage of net charge-offs (x) | -16.5000% | 4,456 |
| Efficiency ratio | 210.6509% | 51 |
| Assets per employee ($millions) | 4.3260% | 3,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1956% | 2,207 |
| Loan loss allowance to noncurrent loans | 5,675.0000% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 3,667 |
| Noncurrent loans to loans | 0.0211% | 3,611 |
| Net loans and leases to total assets | 61.9500% | 2,698 |
| Net loans and leases to deposits | 73.7632% | 2,576 |
| Net loans and leases to core deposits | 74.5969% | 3,039 |
| Total domestic deposits to total assets | 83.9900% | 2,903 |
| Equity capital to assets | 12.5876% | 1,033 |
| Core capital (leverage) ratio | 14.3289% | 720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $108,989,000 | 3,709 |
| Average earning assets | $102,166,500 | 3,683 |
| Average equity | $15,386,500 | 3,339 |
| Average total loans | $71,559,000 | 3,554 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0109% | 385 |
| Cost of funding earning assets | 2.5743% | 1,026 |
| Net interest margin | 4.4367% | 683 |
| Noninterest income to average assets | 0.2600% | 3,292 |
| Noninterest expense to average assets | 13.5230% | 87 |
| Loan and lease loss provision to assets | 1.3500% | 50 |
| Net operating income to assets | -10.6768% | 4,508 |
| Return on assets (ROA) | -10.6768% | 4,541 |
| Pretax return on assets | -10.6719% | 4,541 |
| Return on Equity (ROE) | -30.5500% | 4,501 |
| Retained earnings to average equity (ytd only) | -30.5453% | 4,517 |
| Net charge-offs to loans | 0.4716% | 286 |
| Credit loss provision to net charge-offs | 497.2222% | 633 |
| Earnings coverage of net charge-offs (x) | -35.2315% | 4,516 |
| Efficiency ratio | 321.7366% | 34 |
| Assets per employee ($millions) | 3.0458% | 4,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2097% | 2,157 |
| 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 | 60.7400% | 2,863 |
| Net loans and leases to deposits | 83.0588% | 1,876 |
| Net loans and leases to core deposits | 84.5345% | 2,525 |
| Total domestic deposits to total assets | 73.1300% | 4,116 |
| Equity capital to assets | 21.3355% | 237 |
| Core capital (leverage) ratio | 26.0753% | 143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $54,434,250 | 4,215 |
| Average earning assets | $48,323,250 | 4,217 |
| Average equity | $19,027,000 | 3,037 |
| Average total loans | $30,535,750 | 4,108 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2234% | 296 |
| Cost of funding earning assets | 2.3236% | 1,398 |
| Net interest margin | 4.8998% | 375 |
| Noninterest income to average assets | 0.0100% | 4,473 |
| Noninterest expense to average assets | 14.8587% | 86 |
| Loan and lease loss provision to assets | 1.4200% | 41 |
| Net operating income to assets | -11.9961% | 4,524 |
| Return on assets (ROA) | -11.9961% | 4,561 |
| Pretax return on assets | -11.9874% | 4,561 |
| Return on Equity (ROE) | -28.0700% | 4,511 |
| Retained earnings to average equity (ytd only) | -28.0686% | 4,523 |
| Net charge-offs to loans | 0.5963% | 213 |
| Credit loss provision to net charge-offs | 430.1370% | 690 |
| Earnings coverage of net charge-offs (x) | -33.4247% | 4,539 |
| Efficiency ratio | 346.2159% | 34 |
| Assets per employee ($millions) | 2.0633% | 4,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1664% | 2,416 |
| 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 | 58.8100% | 3,068 |
| Net loans and leases to deposits | 96.2958% | 775 |
| Net loans and leases to core deposits | 98.4213% | 1,582 |
| Total domestic deposits to total assets | 61.0700% | 4,359 |
| Equity capital to assets | 31.7917% | 152 |
| Core capital (leverage) ratio | 35.1886% | 101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $46,181,667 | 4,303 |
| Average earning assets | $40,369,000 | 4,301 |
| Average equity | $19,737,333 | 2,963 |
| Average total loans | $24,484,333 | 4,204 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8710% | 391 |
| Cost of funding earning assets | 1.8184% | 2,454 |
| Net interest margin | 5.0525% | 301 |
| Noninterest income to average assets | 0.0100% | 4,472 |
| Noninterest expense to average assets | 16.1640% | 85 |
| Loan and lease loss provision to assets | 1.5500% | 43 |
| Net operating income to assets | -13.3611% | 4,588 |
| Return on assets (ROA) | -13.3611% | 4,588 |
| Pretax return on assets | -13.3611% | 4,588 |
| Return on Equity (ROE) | -26.4200% | 4,540 |
| Retained earnings to average equity (ytd only) | -26.4218% | 4,476 |
| Net charge-offs to loans | 0.2866% | 325 |
| Credit loss provision to net charge-offs | 1,085.7143% | 320 |
| Earnings coverage of net charge-offs (x) | -85.1429% | 4,580 |
| Efficiency ratio | 370.9091% | 5 |
| Assets per employee ($millions) | 2.0326% | 4,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1720% | 2,426 |
| Loan loss allowance to noncurrent loans | 2,128.5714% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.0313% | 3,507 |
| Noncurrent loans to loans | 0.0551% | 3,359 |
| Net loans and leases to total assets | 56.1900% | 3,182 |
| Net loans and leases to deposits | 121.1328% | 68 |
| Net loans and leases to core deposits | 124.1490% | 520 |
| Total domestic deposits to total assets | 46.3900% | 4,462 |
| Equity capital to assets | 44.1590% | 134 |
| Core capital (leverage) ratio | 50.0393% | 84 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $40,386,000 | 4,368 |
| Average earning assets | $34,755,000 | 4,369 |
| Average equity | $20,422,500 | 2,921 |
| Average total loans | $19,537,500 | 4,293 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2061% | 4,571 |
| Cost of funding earning assets | 0.3036% | 4,375 |
| Net interest margin | 1.9025% | 4,438 |
| Noninterest income to average assets | 0.0000% | 4,534 |
| Noninterest expense to average assets | 7.1118% | 143 |
| Loan and lease loss provision to assets | 0.5000% | 183 |
| Net operating income to assets | -5.9790% | 4,594 |
| Return on assets (ROA) | -5.9790% | 4,592 |
| Pretax return on assets | -5.9790% | 4,592 |
| Return on Equity (ROE) | -9.0300% | 4,497 |
| Retained earnings to average equity (ytd only) | -9.0254% | 4,455 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 436.4312% | 5 |
| Assets per employee ($millions) | 1.6388% | 4,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1723% | 2,446 |
| 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 | 37.4100% | 4,110 |
| Net loans and leases to deposits | 128.1277% | 52 |
| Net loans and leases to core deposits | 128.1277% | 433 |
| Total domestic deposits to total assets | 29.2000% | 4,493 |
| Equity capital to assets | 58.5455% | 125 |
| Core capital (leverage) ratio | 62.8271% | 74 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $33,015,500 | 4,447 |
| Average earning assets | $28,330,500 | 4,429 |
| Average equity | $21,871,500 | 2,708 |
| Average total loans | $7,418,500 | 4,439 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7680% | 4,609 |
| Cost of funding earning assets | 0.0305% | 4,533 |
| Net interest margin | 0.7375% | 4,568 |
| Noninterest income to average assets | 0.0000% | 4,562 |
| Noninterest expense to average assets | 2.3840% | 2,566 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | -1.8725% | 4,591 |
| Return on assets (ROA) | -1.8725% | 4,585 |
| Pretax return on assets | -1.8725% | 4,584 |
| Return on Equity (ROE) | -2.4800% | 4,461 |
| Retained earnings to average equity (ytd only) | -2.4799% | 4,343 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 369.6552% | 9 |
| Assets per employee ($millions) | 1.4275% | 4,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5231% | 189 |
| 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 | 3.8700% | 4,493 |
| Net loans and leases to deposits | 27.5624% | 4,407 |
| Net loans and leases to core deposits | 27.5624% | 4,406 |
| Total domestic deposits to total assets | 14.0300% | 4,536 |
| Equity capital to assets | 75.5079% | 111 |
| Core capital (leverage) ratio | 77.3718% | 60 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $29,977,000 | 4,486 |
| Average earning assets | $26,215,000 | 4,467 |
| Average equity | $22,635,000 | 2,644 |
| Average total loans | $1,189,000 | 4,499 |