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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.69% | 0.74% | 0.73% | 0.76% | 0.69% | 0.67% | 0.36% | 0.66% | -10 bps | |
| Return on Equity | 10.04% | 10.76% | 10.40% | 10.70% | 9.52% | 9.05% | 4.45% | 8.04% | -266 bps | |
| Net Interest Margin | 3.40% | 3.51% | 3.35% | 3.56% | 3.29% | 3.26% | 3.67% | 3.66% | +10 bps | |
| Efficiency Ratio | 74.04% | 72.76% | 74.49% | 70.81% | 73.93% | 75.89% | 88.55% | 77.98% | +718 bps | |
| Non-Interest Burden | 2.40% | 2.43% | 2.39% | 2.40% | 2.33% | 2.38% | 3.20% | 2.76% | +37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.85% | 8.55% | 11.44% | 7.51% | 7.06% | 3.70% | 0.88% | -3.50% | -1,102 bps | |
| Loan Growth (YoY) | 28.74% | 22.34% | 17.82% | 11.70% | 2.61% | -5.24% | 2.11% | 5.79% | -591 bps | |
| Deposit Growth (YoY) | 0.44% | 0.50% | 3.02% | 4.66% | 4.53% | 2.33% | -0.07% | -5.15% | -980 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.68% | 1.35% | 0.69% | 0.67% | 0.69% | 0.29% | 0.09% | 0.06% | -61 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 1.40% | 1.40% | 1.44% | 1.45% | 1.54% | 1.55% | 1.44% | 1.41% | -4 bps | |
| Allowance Coverage of NPLs | 0.8x | 1.0x | 2.1x | 2.2x | 2.3x | 5.3x | 15.9x | 24.3x | +22.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.05% | 10.41% | 9.97% | 10.38% | 9.78% | 9.87% | 10.38% | 10.54% | +16 bps | |
| Total Risk-Based Capital | 10.05% | 10.41% | 9.97% | 10.38% | 9.78% | 9.87% | 10.38% | 10.54% | +16 bps | |
| Equity / Assets | 7.41% | 6.89% | 7.11% | 7.26% | 7.62% | 8.04% | 8.02% | 8.59% | +133 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.75% | 68.35% | 67.19% | 68.52% | 63.56% | 63.29% | 68.65% | 76.42% | +790 bps | |
| Liquid Assets / Assets | 1.83% | 3.36% | 4.47% | 5.35% | 6.50% | 7.63% | 7.75% | 3.67% | -168 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 234% | 219% | 212% | n/a | n/a | |