| 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 | 4.7386% | 3,554 |
| Cost of funding earning assets | 2.1482% | 1,560 |
| Net interest margin | 2.5904% | 3,953 |
| Noninterest income to average assets | 0.0000% | 4,395 |
| Noninterest expense to average assets | 5.5803% | 195 |
| Loan and lease loss provision to assets | -0.1700% | 4,371 |
| Net operating income to assets | -2.8842% | 4,417 |
| Return on assets (ROA) | -2.8842% | 4,453 |
| Pretax return on assets | -2.8842% | 4,450 |
| Return on Equity (ROE) | -9.0300% | 4,379 |
| Retained earnings to average equity (ytd only) | -9.0263% | 4,226 |
| 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 | 220.9014% | 49 |
| Assets per employee ($millions) | 5.8015% | 3,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0132% | 3,150 |
| 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 | 19.7900% | 4,295 |
| Net loans and leases to deposits | 29.8175% | 4,265 |
| Net loans and leases to core deposits | 33.0864% | 4,236 |
| Total domestic deposits to total assets | 66.3600% | 4,256 |
| Equity capital to assets | 33.1110% | 153 |
| Core capital (leverage) ratio | 32.7027% | 112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 129.2980% | 59 |
| Memoranda: |
| Average total assets | $242,423,500 | 2,774 |
| Average earning assets | $236,104,000 | 2,706 |
| Average equity | $77,462,500 | 1,264 |
| Average total loans | $48,272,500 | 3,843 |
| 2024-12-31 | Rank |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9771% | 1,324 |
| Cost of funding earning assets | 2.2267% | 1,679 |
| Net interest margin | 3.7503% | 1,587 |
| Noninterest income to average assets | 0.0000% | 4,443 |
| Noninterest expense to average assets | 9.1023% | 126 |
| Loan and lease loss provision to assets | 0.2600% | 483 |
| Net operating income to assets | -5.7361% | 4,459 |
| Return on assets (ROA) | -5.7361% | 4,497 |
| Pretax return on assets | -5.7356% | 4,498 |
| Return on Equity (ROE) | -12.4700% | 4,422 |
| Retained earnings to average equity (ytd only) | -12.4734% | 4,415 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 250.8852% | 37 |
| Assets per employee ($millions) | 6.0188% | 2,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1265% | 2,560 |
| 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 | 19.6200% | 4,320 |
| Net loans and leases to deposits | 28.7536% | 4,292 |
| Net loans and leases to core deposits | 28.7536% | 4,292 |
| Total domestic deposits to total assets | 68.2300% | 4,245 |
| Equity capital to assets | 30.8907% | 158 |
| Core capital (leverage) ratio | 33.0299% | 108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 120.3367% | 62 |
| Memoranda: |
| Average total assets | $180,592,000 | 3,120 |
| Average earning assets | $174,650,800 | 3,056 |
| Average equity | $83,048,400 | 1,168 |
| Average total loans | $33,770,200 | 4,037 |
| 2024-09-30 | Rank |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1270% | 1,095 |
| Cost of funding earning assets | 2.0874% | 2,010 |
| Net interest margin | 4.0396% | 1,090 |
| Noninterest income to average assets | 0.0000% | 4,470 |
| Noninterest expense to average assets | 10.0525% | 109 |
| Loan and lease loss provision to assets | 0.2800% | 384 |
| Net operating income to assets | -6.4383% | 4,499 |
| Return on assets (ROA) | -6.4383% | 4,532 |
| Pretax return on assets | -6.4375% | 4,533 |
| Return on Equity (ROE) | -12.4200% | 4,458 |
| Retained earnings to average equity (ytd only) | -12.4158% | 4,450 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 258.0543% | 39 |
| Assets per employee ($millions) | 4.1538% | 4,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0173% | 3,159 |
| 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 | 22.9100% | 4,330 |
| Net loans and leases to deposits | 40.3463% | 4,185 |
| Net loans and leases to core deposits | 40.3463% | 4,220 |
| Total domestic deposits to total assets | 56.7900% | 4,375 |
| Equity capital to assets | 42.3253% | 134 |
| Core capital (leverage) ratio | 36.8587% | 96 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 150.2507% | 50 |
| Memoranda: |
| Average total assets | $162,543,000 | 3,257 |
| Average earning assets | $156,745,500 | 3,204 |
| Average equity | $84,288,500 | 1,154 |
| Average total loans | $29,673,750 | 4,119 |
| 2024-06-30 | Rank |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8022% | 1,456 |
| Cost of funding earning assets | 1.4987% | 3,295 |
| Net interest margin | 4.3035% | 784 |
| Noninterest income to average assets | 0.0000% | 4,488 |
| Noninterest expense to average assets | 11.4081% | 102 |
| Loan and lease loss provision to assets | 0.0800% | 1,436 |
| Net operating income to assets | -7.3449% | 4,513 |
| Return on assets (ROA) | -7.3449% | 4,551 |
| Pretax return on assets | -7.3436% | 4,551 |
| Return on Equity (ROE) | -13.1600% | 4,476 |
| Retained earnings to average equity (ytd only) | -13.1575% | 4,467 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 275.3628% | 40 |
| Assets per employee ($millions) | 4.0544% | 4,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5385% | 4,301 |
| 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 | 16.5400% | 4,385 |
| Net loans and leases to deposits | 30.2148% | 4,329 |
| Net loans and leases to core deposits | 30.2148% | 4,328 |
| Total domestic deposits to total assets | 54.7300% | 4,399 |
| Equity capital to assets | 44.3759% | 135 |
| Core capital (leverage) ratio | 45.1780% | 89 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 234.6934% | 34 |
| Memoranda: |
| Average total assets | $153,031,667 | 3,343 |
| Average earning assets | $147,323,000 | 3,283 |
| Average equity | $85,426,667 | 1,130 |
| Average total loans | $24,820,667 | 4,199 |
| 2024-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5757% | 3,558 |
| Cost of funding earning assets | 0.5019% | 4,360 |
| Net interest margin | 4.0738% | 998 |
| Noninterest income to average assets | 0.0000% | 4,505 |
| Noninterest expense to average assets | 12.3965% | 100 |
| Loan and lease loss provision to assets | 0.1700% | 608 |
| Net operating income to assets | -8.6869% | 4,581 |
| Return on assets (ROA) | -8.6869% | 4,581 |
| Pretax return on assets | -8.6869% | 4,582 |
| Return on Equity (ROE) | -13.6500% | 4,502 |
| Retained earnings to average equity (ytd only) | -13.6470% | 4,380 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 319.2744% | 7 |
| Assets per employee ($millions) | 3.3270% | 4,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6348% | 4,199 |
| 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 | 15.6200% | 4,409 |
| Net loans and leases to deposits | 32.7890% | 4,306 |
| Net loans and leases to core deposits | 32.7890% | 4,370 |
| Total domestic deposits to total assets | 47.6400% | 4,461 |
| Equity capital to assets | 51.2654% | 125 |
| Core capital (leverage) ratio | 71.4235% | 67 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 278.1474% | 31 |
| Memoranda: |
| Average total assets | $136,296,500 | 3,509 |
| Average earning assets | $129,903,000 | 3,464 |
| Average equity | $86,759,000 | 1,118 |
| Average total loans | $21,726,000 | 4,265 |
| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.5101% | 4,582 |
| Cost of funding earning assets | 0.0033% | 4,517 |
| Net interest margin | 1.5068% | 4,506 |
| Noninterest income to average assets | 0.0000% | 4,534 |
| Noninterest expense to average assets | 18.1302% | 75 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | -16.9434% | 4,607 |
| Return on assets (ROA) | -16.9434% | 4,606 |
| Pretax return on assets | -16.9434% | 4,606 |
| Return on Equity (ROE) | -19.2000% | 4,544 |
| Retained earnings to average equity (ytd only) | -19.2009% | 4,519 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 1,392.8676% | 2 |
| Assets per employee ($millions) | 2.0597% | 4,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6531% | 4,181 |
| 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 | 15.7500% | 4,427 |
| Net loans and leases to deposits | 112.6548% | 150 |
| Net loans and leases to core deposits | 112.6548% | 860 |
| Total domestic deposits to total assets | 13.9800% | 4,508 |
| Equity capital to assets | 80.8647% | 98 |
| Core capital (leverage) ratio | 90.5701% | 31 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 426.1691% | 19 |
| Memoranda: |
| Average total assets | $104,483,000 | 3,788 |
| Average earning assets | $90,256,000 | 3,833 |
| Average equity | $92,199,000 | 1,009 |
| Average total loans | $8,651,500 | 4,429 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.2063% | 4,614 |
| Cost of funding earning assets | 0.0000% | 4,547 |
| Net interest margin | 0.2063% | 4,577 |
| Noninterest income to average assets | 0.0000% | 4,562 |
| Noninterest expense to average assets | 13.3382% | 91 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | -13.1685% | 4,633 |
| Return on assets (ROA) | -13.1685% | 4,632 |
| Pretax return on assets | -13.1685% | 4,632 |
| Return on Equity (ROE) | -13.6700% | 4,555 |
| Retained earnings to average equity (ytd only) | -13.6726% | 4,527 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 7,861.4173% | 2 |
| Assets per employee ($millions) | 1.8830% | 4,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.0000% | 4,482 |
| 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 | 0.0000% | 4,500 |
| Net loans and leases to deposits | 0.0000% | 4,499 |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 0.0000% | 4,578 |
| Equity capital to assets | 96.3137% | 61 |
| Core capital (leverage) ratio | 96.1595% | 24 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 2,755.0014% | 2 |
| Memoranda: |
| Average total assets | $99,801,000 | 3,849 |
| Average earning assets | $82,083,000 | 3,921 |
| Average equity | $96,122,000 | 971 |
| Average total loans | $0 | 4,502 |
