Swainsboro, GA · Cert 11295 · Swainsboro Bankshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.86% | 1.97% | 1.74% | 1.98% | 1.89% | 1.97% | 1.77% | 1.89% | -9 bps | |
| Return on Equity | 16.77% | 18.06% | 16.35% | 18.39% | 16.88% | 17.00% | 15.10% | 15.94% | -245 bps | |
| Net Interest Margin | 4.93% | 4.92% | 4.67% | 4.95% | 4.98% | 4.89% | 4.65% | 4.76% | -20 bps | |
| Efficiency Ratio | 54.90% | 53.90% | 53.51% | 51.09% | 51.82% | 52.29% | 51.57% | 51.99% | +90 bps | |
| Non-Interest Burden | 2.43% | 2.39% | 2.28% | 2.24% | 2.36% | 2.32% | 2.18% | 2.15% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.46% | 14.54% | 17.57% | 16.13% | 13.68% | 6.20% | 4.73% | 4.90% | -1,123 bps | |
| Loan Growth (YoY) | 6.64% | 7.21% | 10.61% | 8.88% | 9.59% | 10.30% | 7.55% | 6.07% | -281 bps | |
| Deposit Growth (YoY) | 9.35% | 14.61% | 17.81% | 16.27% | 13.64% | 4.83% | 3.58% | 3.52% | -1,276 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.09% | 0.11% | 0.12% | 0.08% | 0.11% | 0.12% | 0.14% | 0.36% | +28 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.17% | 0.00% | 0.02% | 0.07% | 0.12% | 0.10% | -0.01% | -3 bps | |
| Allowance / Loans | 1.98% | 1.97% | 1.94% | 1.90% | 1.91% | 1.91% | 1.92% | 1.95% | +5 bps | |
| Allowance Coverage of NPLs | 22.1x | 18.7x | 16.3x | 24.5x | 17.9x | 16.2x | 13.7x | 5.4x | -19.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.60% | 11.48% | 11.14% | 11.44% | 11.72% | 12.01% | 12.07% | 12.29% | +85 bps | |
| Total Risk-Based Capital | 18.57% | 18.89% | 18.41% | 18.77% | 19.23% | 19.93% | 19.77% | 20.18% | +141 bps | |
| Equity / Assets | 11.21% | 10.66% | 10.57% | 11.00% | 11.41% | 11.81% | 11.67% | 12.06% | +106 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.93% | 76.70% | 77.64% | 79.94% | 79.97% | 80.69% | 80.61% | 81.91% | +197 bps | |
| Liquid Assets / Assets | 13.65% | 17.88% | 15.96% | 14.00% | 14.24% | 13.43% | 12.98% | 12.40% | -160 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 209% | 203% | 214% | n/a | n/a | |