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3 | Pct of At Risk $ | EPS 2024 | EPS Impact | ||||||||||||||||||||||||
4 | Firm | Ratio_NPA_to_Assets | Assets | Net Income | Assets At Risk | % Net Income | 25% | 50% | SharesOut | if 25% of NPA goes to zero | if 50% of NPA goes to zero | ||||||||||||||||
5 | 1 | Triumph Financial, Inc. | 1.42% | $5,948,975,000 | $16,090,000 | $84,475,445 | 525% | $21,118,861.25 | $42,237,722.50 | 23,387,522.00 | $0.55 | $0.90 | $1.81 | ||||||||||||||
6 | 2 | Pathfinder Bancorp, Inc. | 1.19% | $1,474,874,000 | $5,205,000 | $17,551,001 | 337% | $4,387,750.15 | $8,775,500.30 | 6,100,071.00 | $0.60 | $0.72 | $1.44 | ||||||||||||||
7 | 3 | SANDY SPRING BANCORP INC | 0.65% | $14,127,480,000 | $19,935,000 | $91,828,620 | 461% | $22,957,155.00 | $45,914,310.00 | 45,125,078.00 | $0.44 | $0.51 | $1.02 | ||||||||||||||
8 | 4 | First Guaranty Bancshares, Inc. | 1.17% | $3,972,728,000 | $12,448,000 | $46,480,918 | 373% | $11,620,229.40 | $23,240,458.80 | 12,475,424.00 | $0.81 | $0.93 | $1.86 | ||||||||||||||
9 | 5 | Southern California Bancorp \ CA | 0.55% | $4,031,654,000 | $5,433,000 | $22,174,097 | 408% | $5,543,524.25 | $11,087,048.50 | 32,142,427.00 | $0.22 | $0.17 | $0.34 | ||||||||||||||
10 | 6 | Ponce Financial Group, Inc. | 0.62% | $3,039,938,000 | $10,972,000 | $18,847,616 | 172% | $4,711,903.90 | $9,423,807.80 | 23,819,463.00 | $0.46 | $0.20 | $0.40 | ||||||||||||||
11 | 7 | ORRSTOWN FINANCIAL SERVICES INC | 0.83% | $5,431,023,000 | $22,050,000 | $45,077,491 | 204% | $11,269,372.73 | $22,538,745.45 | 19,373,354.00 | $1.49 | $0.58 | $1.16 | ||||||||||||||
12 | 8 | ASSOCIATED BANC-CORP | 0.39% | $43,023,068,000 | $123,145,000 | $167,789,965 | 136% | $41,947,491.30 | $83,894,982.60 | 151,212,711.00 | $0.73 | $0.28 | $0.55 | ||||||||||||||
13 | 9 | Dime Community Bancshares, Inc. /NY/ | 0.21% | $14,353,258,000 | $29,084,000 | $30,141,842 | 104% | $7,535,460.45 | $15,070,920.90 | 39,151,650.00 | $0.55 | $0.19 | $0.38 | ||||||||||||||
14 | 10 | TEXAS CAPITAL BANCSHARES INC/TX | 0.29% | $30,731,883,000 | $77,508,000 | $89,122,461 | 115% | $22,280,615.18 | $44,561,230.35 | 51,494,260.00 | $1.29 | $0.43 | $0.87 | ||||||||||||||
15 | 11 | RBB Bancorp | 0.79% | $3,992,477,000 | $26,665,000 | $31,540,568 | 118% | $7,885,142.08 | $15,770,284.15 | 17,693,416.00 | $1.47 | $0.45 | $0.89 | ||||||||||||||
16 | 12 | Northwest Bancshares, Inc. | 0.67% | $14,408,224,000 | $100,278,000 | $96,535,101 | 96% | $24,133,775.20 | $48,267,550.40 | 127,400,199.00 | $0.79 | $0.19 | $0.38 | ||||||||||||||
17 | 13 | Veritex Holdings, Inc. | 0.77% | $12,768,341,000 | $107,241,000 | $98,316,226 | 92% | $24,579,056.43 | $49,158,112.85 | 54,483,871.00 | $1.97 | $0.45 | $0.90 | ||||||||||||||
18 | 14 | FIRSTSUN CAPITAL BANCORP | 0.85% | $8,097,387,000 | $75,628,000 | $68,827,790 | 91% | $17,206,947.38 | $34,413,894.75 | 27,665,918.00 | $2.76 | ||||||||||||||||
19 | 15 | BANC OF CALIFORNIA, INC. | 0.21% | $33,542,864,000 | $126,888,000 | $70,440,014 | 56% | $17,610,003.60 | $35,220,007.20 | 158,328,021.00 | $0.52 | $0.62 | $1.24 | ||||||||||||||
20 | 16 | PROVIDENT FINANCIAL SERVICES INC | 0.43% | $24,051,825,000 | $115,525,000 | $103,422,848 | 90% | $25,855,711.88 | $51,711,423.75 | 130,448,599.00 | $1.05 | $0.11 | $0.22 | ||||||||||||||
21 | 17 | POPULAR, INC. | 0.62% | $73,045,383,000 | $614,212,000 | $452,881,375 | 74% | $113,220,343.65 | $226,440,687.30 | 71,787,349.00 | $8.56 | $0.20 | $0.40 | ||||||||||||||
22 | 18 | Magyar Bancorp, Inc. | 0.60% | $951,918,000 | $7,783,000 | $5,711,508 | 73% | $1,427,877.00 | $2,855,754.00 | 6,509,358.00 | $1.23 | $1.58 | $3.15 | ||||||||||||||
23 | 19 | PEOPLES FINANCIAL SERVICES CORP. | 0.13% | $5,091,981,000 | $8,498,000 | $6,619,575 | 78% | $1,654,893.83 | $3,309,787.65 | 9,994,648.00 | $1.00 | $0.22 | $0.44 | ||||||||||||||
24 | 20 | SEACOAST BANKING CORP OF FLORIDA | 0.50% | $15,176,308,000 | $120,986,000 | $75,881,540 | 63% | $18,970,385.00 | $37,940,770.00 | 85,441,001.00 | $1.43 | $0.17 | $0.33 | ||||||||||||||
25 | 21 | FULTON FINANCIAL CORP | 0.56% | $32,065,059,000 | $288,743,000 | $179,564,330 | 62% | $44,891,082.60 | $89,782,165.20 | 182,025,441.00 | $1.59 | $0.22 | $0.44 | ||||||||||||||
26 | 22 | FIRST BANCORP /NC/ | 0.37% | $12,147,694,000 | $76,215,000 | $44,946,468 | 59% | $11,236,616.95 | $22,473,233.90 | 41,340,099.00 | $1.85 | $0.25 | $0.49 | ||||||||||||||
27 | 23 | ALERUS FINANCIAL CORP | 0.22% | $5,265,308,000 | $21,069,000 | $11,583,678 | 55% | $2,895,919.40 | $5,791,838.80 | 19,790,005.00 | $1.00 | $0.27 | $0.54 | ||||||||||||||
28 | 24 | BayCom Corp | 0.51% | $2,664,508,000 | $23,614,000 | $13,588,991 | 58% | $3,397,247.70 | $6,794,495.40 | 11,130,372.00 | $2.10 | $0.15 | $0.29 | ||||||||||||||
29 | 25 | BankUnited, Inc. | 0.37% | $35,241,742,000 | $232,467,000 | $130,394,445 | 56% | $32,598,611.35 | $65,197,222.70 | 74,749,012.00 | $3.10 | $0.31 | $0.61 | ||||||||||||||
30 | 26 | Western New England Bancorp, Inc. | 0.25% | $2,653,090,000 | $11,666,000 | $6,632,725 | 57% | $1,658,181.25 | $3,316,362.50 | 21,113,408.00 | $0.56 | $0.44 | $0.87 | ||||||||||||||
31 | 27 | UNIVEST FINANCIAL Corp | 0.52% | $8,128,417,000 | $75,931,000 | $42,267,768 | 56% | $10,566,942.10 | $21,133,884.20 | 29,081,108.00 | $2.60 | $0.08 | $0.16 | ||||||||||||||
32 | 28 | PREMIER FINANCIAL CORP | 0.41% | $8,581,575,000 | $71,404,000 | $35,184,458 | 49% | $8,796,114.38 | $17,592,228.75 | 35,841,430.00 | $1.99 | $0.36 | $0.73 | ||||||||||||||
33 | 29 | UNITY BANCORP INC /NJ/ | 0.74% | $2,654,017,000 | $41,450,000 | $19,639,726 | 47% | $4,909,931.45 | $9,819,862.90 | 9,980,000.00 | $4.13 | $0.25 | $0.49 | ||||||||||||||
34 | 30 | EQUITY BANCSHARES INC | 0.53% | $5,332,047,000 | $93,941,000 | $28,259,849 | 30% | $7,064,962.28 | $14,129,924.55 | 15,296,077.00 | $4.04 | $0.49 | $0.98 | ||||||||||||||
35 | 31 | First Foundation Inc. | 0.15% | $12,645,265,000 | -$92,407,000 | $18,967,898 | -21% | $4,741,974.38 | $9,483,948.75 | 67,855,084.00 | -$1.41 | $0.46 | $0.92 | ||||||||||||||
36 | 32 | HomeStreet, Inc. | 0.45% | $8,123,698,000 | -$144,344,000 | $36,556,641 | -25% | $9,139,160.25 | $18,278,320.50 | 18,857,565.00 | -$7.65 | $0.07 | $0.14 | ||||||||||||||
37 | 33 | Territorial Bancorp Inc. | 0.10% | $2,169,715,000 | -$4,299,000 | $2,169,715 | -50% | $542,428.75 | $1,084,857.50 | 8,832,210.00 | -$0.50 | $0.48 | $0.97 | ||||||||||||||
38 | 34 | FINANCIAL INSTITUTIONS INC | 0.44% | $6,111,187,000 | -$24,522,000 | $26,889,223 | -110% | $6,722,305.70 | $13,444,611.40 | 15,474,314.00 | -$1.66 | $0.06 | $0.12 | ||||||||||||||
39 | 35 | Columbia Financial, Inc. | 0.12% | $10,475,493,000 | -$11,653,000 | $12,570,592 | -108% | $3,142,647.90 | $6,285,295.80 | 104,725,436.00 | -$0.11 | $0.43 | $0.87 | ||||||||||||||
40 | 36 | WASHINGTON TRUST BANCORP INC | 0.63% | $6,930,647,000 | -$28,059,000 | $43,663,076 | -156% | $10,915,769.03 | $21,831,538.05 | 17,058,413.00 | -$1.63 | $0.03 | $0.06 | ||||||||||||||
41 | 37 | FLUSHING FINANCIAL CORP | 0.54% | $9,038,972,000 | -$31,333,000 | $48,810,449 | -156% | $12,202,612.20 | $24,405,224.40 | 29,068,903.00 | -$1.05 | $0.64 | $1.28 | ||||||||||||||
42 | 38 | First Northwest Bancorp | 0.85% | $2,232,006,000 | -$6,613,000 | $18,972,051 | -287% | $4,743,012.75 | $9,486,025.50 | 9,365,979.00 | -$0.75 | $0.42 | $0.84 | ||||||||||||||
43 | 39 | NORWOOD FINANCIAL CORP | 0.35% | $2,317,462,000 | -$160,000 | $8,111,117 | -5069% | $2,027,779.25 | $4,055,558.50 | 8,311,851.00 | -$0.02 | $0.51 | $1.01 | ||||||||||||||
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