Waycross, GA · Cert 10055 · FSBH Corp.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Sebring, FL · 2026 SOD (annual) · 4.2% share · #7 of 9 inst. · $0.1B of $2.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.92% | 1.15% | 0.62% | 0.94% | 0.95% | +3 bps | |
| Return on Equity | 10.59% | 12.64% | 6.64% | 9.91% | 10.09% | -50 bps | |
| Net Interest Margin | 4.27% | 4.42% | 4.46% | 4.29% | 4.30% | +4 bps | |
| Efficiency Ratio | 72.12% | 68.22% | 82.61% | 73.10% | 72.70% | +58 bps | |
| Non-Interest Burden | 2.95% | 2.82% | 3.62% | 3.03% | 3.01% | +5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.68% | 5.34% | 4.24% | 1.67% | 4.91% | -77 bps | |
| Loan Growth (YoY) | 12.17% | 10.84% | 13.25% | 5.56% | 4.43% | -774 bps | |
| Deposit Growth (YoY) | 5.06% | 4.51% | 1.02% | 0.71% | 4.18% | -88 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.01% | 0.04% | 0.01% | +1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.00% | 0.01% | 0.08% | +8 bps | |
| Allowance / Loans | 0.91% | 0.90% | 0.89% | 0.93% | 0.89% | -2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 79.3x | 21.2x | 77.4x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.29% | 10.52% | 10.57% | 10.93% | 10.92% | +63 bps | |
| Total Risk-Based Capital | 15.15% | 15.15% | 14.84% | 15.71% | 15.76% | +61 bps | |
| Equity / Assets | 8.80% | 9.33% | 9.41% | 9.48% | 9.41% | +61 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 72.21% | 76.75% | 80.22% | 73.49% | 72.38% | +17 bps | |
| Liquid Assets / Assets | 27.71% | 23.79% | 22.37% | 27.01% | 28.45% | +75 bps | |
| CRE / Total Capital | n/a | 329% | 339% | 321% | n/a | n/a | |