Q4 2025

Q4 2025 Insights

Data through December 31, 2025.

• Quarterly Pulse — System-wide CAMELS dashboard: capital, asset quality, earnings, loan growth, and liquidity at a glance.
• Asset Quality Under Pressure — 60+ day delinquency breaches 1%, used vehicles dominate the consumer pipeline, non-accrual balances double.
• The Margin Relief Trade — Net interest margin trajectory, provision expense growth, non-interest income and expense composition.
• Capital and the Earnings Flywheel — Net worth ratio reaches dataset high as earnings retention rebuilds capital buffers.
• Loan Growth and Portfolio Shift — Loan growth reaccelerates to 1.97% QoQ as the portfolio rotates from consumer to real estate.