Camilla, GA · Cert 10072 · P&C Bank Shares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Albany, GA · 2026 SOD (annual) · 0.1% share · #15 of 15 inst. · $0.0B of $3.3B
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 | 0.78% | 0.55% | 0.60% | 0.36% | 0.96% | +18 bps | |
| Return on Equity | 10.92% | 7.44% | 7.71% | 4.45% | 11.62% | +70 bps | |
| Net Interest Margin | 3.67% | 3.24% | 3.17% | 3.67% | 3.65% | -2 bps | |
| Efficiency Ratio | 67.32% | 80.35% | 81.89% | 88.55% | 67.22% | -10 bps | |
| Non-Interest Burden | 2.34% | 2.53% | 2.51% | 3.20% | 2.33% | 0 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.51% | 7.06% | 3.70% | 0.88% | -3.50% | -1,102 bps | |
| Loan Growth (YoY) | 11.70% | 2.61% | -5.24% | 2.11% | 5.79% | -591 bps | |
| Deposit Growth (YoY) | 4.66% | 4.53% | 2.33% | -0.07% | -5.15% | -980 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.67% | 0.69% | 0.29% | 0.09% | 0.06% | -61 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.45% | 1.54% | 1.55% | 1.44% | 1.41% | -4 bps | |
| Allowance Coverage of NPLs | 2.2x | 2.3x | 5.3x | 15.9x | 24.3x | +22.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.38% | 9.78% | 9.87% | 10.38% | 10.54% | +16 bps | |
| Total Risk-Based Capital | 10.38% | 9.78% | 9.87% | 10.38% | 10.54% | +16 bps | |
| Equity / Assets | 7.26% | 7.62% | 8.04% | 8.02% | 8.59% | +133 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 68.52% | 63.56% | 63.29% | 68.65% | 76.42% | +790 bps | |
| Liquid Assets / Assets | 5.35% | 6.50% | 7.63% | 7.75% | 3.67% | -168 bps | |
| CRE / Total Capital | n/a | 234% | 219% | 212% | n/a | n/a | |