| 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 | 7.0482% | 307 |
| Cost of funding earning assets | 2.9824% | 340 |
| Net interest margin | 4.0658% | 1,164 |
| Noninterest income to average assets | 0.0300% | 4,340 |
| Noninterest expense to average assets | 5.4064% | 206 |
| Loan and lease loss provision to assets | 0.4700% | 196 |
| Net operating income to assets | -1.8584% | 4,403 |
| Return on assets (ROA) | -1.8584% | 4,438 |
| Pretax return on assets | -1.8584% | 4,431 |
| Return on Equity (ROE) | -4.8400% | 4,329 |
| Retained earnings to average equity (ytd only) | -4.8408% | 4,071 |
| 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 | 134.5794% | 96 |
| Assets per employee ($millions) | 4.0449% | 4,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4565% | 1,138 |
| 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 | 49.3400% | 3,605 |
| Net loans and leases to deposits | 71.6874% | 2,753 |
| Net loans and leases to core deposits | 85.7545% | 2,344 |
| Total domestic deposits to total assets | 68.8300% | 4,217 |
| Equity capital to assets | 30.2059% | 161 |
| Core capital (leverage) ratio | 36.4424% | 102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: |
| Average total assets | $63,924,500 | 4,098 |
| Average earning assets | $62,768,000 | 4,048 |
| Average equity | $24,541,500 | 2,724 |
| Average total loans | $39,123,000 | 3,966 |
| 2024-12-31 | Rank |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5910% | 1,965 |
| Cost of funding earning assets | 0.6819% | 4,237 |
| Net interest margin | 4.9091% | 381 |
| Noninterest income to average assets | 0.2000% | 3,704 |
| Noninterest expense to average assets | 7.4469% | 144 |
| Loan and lease loss provision to assets | 1.4600% | 48 |
| Net operating income to assets | -3.8813% | 4,450 |
| Return on assets (ROA) | -3.6708% | 4,488 |
| Pretax return on assets | -3.6708% | 4,486 |
| Return on Equity (ROE) | -5.1100% | 4,352 |
| Retained earnings to average equity (ytd only) | -5.1124% | 4,295 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 148.0497% | 84 |
| Assets per employee ($millions) | 2.3476% | 4,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3646% | 1,418 |
| 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 | 79.2800% | 747 |
| Net loans and leases to deposits | 170.7680% | 16 |
| Net loans and leases to core deposits | 200.8309% | 41 |
| Total domestic deposits to total assets | 46.4300% | 4,358 |
| Equity capital to assets | 52.4952% | 130 |
| Core capital (leverage) ratio | 63.8157% | 74 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: |
| Average total assets | $35,169,000 | 4,338 |
| Average earning assets | $34,609,250 | 4,296 |
| Average equity | $25,252,250 | 2,618 |
| Average total loans | $18,460,500 | 4,234 |
| 2024-09-30 | Rank |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0522% | 2,951 |
| Cost of funding earning assets | 0.4585% | 4,353 |
| Net interest margin | 4.5937% | 570 |
| Noninterest income to average assets | 0.1800% | 3,801 |
| Noninterest expense to average assets | 7.3660% | 139 |
| Loan and lease loss provision to assets | 1.2800% | 53 |
| Net operating income to assets | -3.9348% | 4,490 |
| Return on assets (ROA) | -3.9348% | 4,523 |
| Pretax return on assets | -3.9348% | 4,520 |
| Return on Equity (ROE) | -4.8300% | 4,383 |
| Retained earnings to average equity (ytd only) | -4.8295% | 4,329 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 156.3406% | 73 |
| Assets per employee ($millions) | 1.8696% | 4,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3497% | 1,523 |
| 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 | 61.7300% | 2,769 |
| Net loans and leases to deposits | 218.4617% | 12 |
| Net loans and leases to core deposits | 245.3508% | 25 |
| Total domestic deposits to total assets | 28.2500% | 4,406 |
| Equity capital to assets | 71.2130% | 110 |
| Core capital (leverage) ratio | 76.9583% | 65 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: |
| Average total assets | $31,241,667 | 4,382 |
| Average earning assets | $30,824,000 | 4,345 |
| Average equity | $25,454,000 | 2,602 |
| Average total loans | $12,034,333 | 4,332 |
| 2024-06-30 | Rank |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4161% | 3,898 |
| Cost of funding earning assets | 0.2284% | 4,417 |
| Net interest margin | 4.1877% | 912 |
| Noninterest income to average assets | 0.0800% | 4,310 |
| Noninterest expense to average assets | 6.8314% | 148 |
| Loan and lease loss provision to assets | 0.9300% | 78 |
| Net operating income to assets | -3.5257% | 4,501 |
| Return on assets (ROA) | -3.5257% | 4,538 |
| Pretax return on assets | -3.5257% | 4,536 |
| Return on Equity (ROE) | -4.0200% | 4,398 |
| Retained earnings to average equity (ytd only) | -4.0184% | 4,274 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 161.3636% | 71 |
| Assets per employee ($millions) | 0.9972% | 4,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3701% | 1,474 |
| 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 | 31.4400% | 4,245 |
| Net loans and leases to deposits | 177.4653% | 18 |
| Net loans and leases to core deposits | 206.0208% | 38 |
| Total domestic deposits to total assets | 17.7100% | 4,431 |
| Equity capital to assets | 82.2593% | 100 |
| Core capital (leverage) ratio | 89.0346% | 40 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: |
| Average total assets | $29,101,000 | 4,416 |
| Average earning assets | $28,894,000 | 4,379 |
| Average equity | $25,532,500 | 2,566 |
| Average total loans | $6,938,000 | 4,399 |
| 2024-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2990% | 4,502 |
| Cost of funding earning assets | 0.0589% | 4,476 |
| Net interest margin | 3.2401% | 2,477 |
| Noninterest income to average assets | 0.0000% | 4,505 |
| Noninterest expense to average assets | 4.9835% | 228 |
| Loan and lease loss provision to assets | 1.4700% | 46 |
| Net operating income to assets | -3.2246% | 4,565 |
| Return on assets (ROA) | -3.2246% | 4,562 |
| Pretax return on assets | -3.2246% | 4,559 |
| Return on Equity (ROE) | -3.4300% | 4,387 |
| Retained earnings to average equity (ytd only) | -3.4325% | 4,035 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 154.5455% | 54 |
| Assets per employee ($millions) | 1.6053% | 4,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4857% | 207 |
| 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 | 14.3800% | 4,415 |
| Net loans and leases to deposits | 237.7576% | 5 |
| Net loans and leases to core deposits | 341.1304% | 55 |
| Total domestic deposits to total assets | 6.0500% | 4,496 |
| Equity capital to assets | 93.9428% | 70 |
| Core capital (leverage) ratio | 185.3154% | 1 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: |
| Average total assets | $27,290,000 | 4,460 |
| Average earning assets | $27,160,000 | 4,418 |
| Average equity | $25,637,000 | 2,572 |
| Average total loans | $4,023,000 | 4,446 |
