Banking Command

3.42% NIM · 1.24% NPL ratio · 12.4% loan growth · 8.6% deposit growth YoY

Net Interest Margin
3.42%
+0.56pp YoYtarget >3.25% ✓
NPL Ratio
1.24%
-1.44pp YoYtarget <1.5% ✓
Loan Growth
+12.4%
+5.6pp YoYtarget 10% ✓
Deposit Growth
+8.6%
+4.4pp YoYtarget 8% ✓
NIM & NPL Ratio Trend
NIM 2.86% → 3.42% · NPL 2.68% → 1.24% · both improving
Loan Mix
Mortgage 42.4% · Commercial 28.6% · Auto 14.2%
Loan Portfolio
+12.4% growth · NPL 1.24% · origination trend
Deposits
+8.6% growth · $204K avg per branch · mix analysis
Branch Performance
5 branches · Downtown 3.62% NIM best · Southpoint 2.96%