Hahira, GA · Cert 12079 · CCB Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
35
Asset Quality
26
Profitability
66
Liquidity
69
Efficiency
50
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Hahira, GA · Cert 12079 · CCB Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Valdosta, GA · 2026 SOD (annual) · 5.3% share · #10 of 16 inst. · $0.2B of $3.8B
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 | 0.87% | 0.87% | 0.69% | 0.88% | 0.99% | 1.04% | 1.22% | 1.14% | +26 bps | |
| Return on Equity | 11.12% | 11.25% | 8.98% | 11.37% | 12.34% | 13.54% | 18.69% | 17.29% | +593 bps | |
| Net Interest Margin | 3.66% | 3.57% | 3.72% | 3.79% | 3.89% | 3.89% | 3.84% | 3.75% | -3 bps | |
| Efficiency Ratio | 70.80% | 70.96% | 76.53% | 71.43% | 69.32% | 68.36% | 62.66% | 64.49% | -694 bps | |
| Non-Interest Burden | 2.43% | 2.36% | 2.71% | 2.54% | 2.51% | 2.47% | 2.19% | 2.22% | -32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.23% | 5.69% | 8.90% | 6.38% | 10.99% | 4.77% | 5.84% | 8.94% | +256 bps | |
| Loan Growth (YoY) | 3.11% | 9.84% | 11.02% | 12.49% | 19.83% | 12.49% | 16.03% | 11.89% | -60 bps | |
| Deposit Growth (YoY) | -5.63% | 5.16% | 8.08% | 8.19% | 11.07% | 2.62% | 4.02% | 7.27% | -92 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.60% | 0.51% | 0.58% | 0.54% | 0.81% | 0.79% | 0.77% | 0.89% | +35 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.09% | -0.03% | 0.03% | 0.04% | 0.04% | 0.12% | 0.08% | +5 bps | |
| Allowance / Loans | 1.15% | 1.11% | 1.19% | 1.20% | 1.19% | 1.17% | 1.17% | 1.23% | +3 bps | |
| Allowance Coverage of NPLs | 1.9x | 2.2x | 2.1x | 2.2x | 1.5x | 1.5x | 1.5x | 1.4x | -0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.65% | 11.40% | 10.92% | 10.99% | 11.20% | 9.01% | 8.99% | 8.94% | -205 bps | |
| Total Risk-Based Capital | 20.17% | 18.87% | 18.71% | 18.25% | 18.42% | 14.22% | 14.55% | 14.75% | -350 bps | |
| Equity / Assets | 9.00% | 7.57% | 7.75% | 7.92% | 8.80% | 6.57% | 6.53% | 6.62% | -129 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.88% | 63.74% | 62.16% | 65.45% | 68.92% | 69.88% | 69.33% | 68.26% | +282 bps | |
| Liquid Assets / Assets | 3.94% | 4.67% | 9.06% | 5.11% | 2.48% | 3.15% | 6.00% | 4.92% | -19 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 252% | 336% | 347% | n/a | n/a | |
Hahira, GA · Cert 12079 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · CCB Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
1.11%
Rank 347 of 746
Net Interest Margin
3.75%
Rank 349 of 746
Efficiency Ratio
64.49%
Rank 371 of 746
Equity / Assets
6.62%
Rank 714 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.11% | 0.72% | 1.06% | 1.45% | Beats 53% | 347 / 746 | ||
| Return on Equity | 16.76% | 6.74% | 10.51% | 13.63% | Beats 91% | 68 / 746 | ||
| Net Interest Margin | 3.75% | 3.17% | 3.68% | 4.16% | Beats 53% | 349 / 746 | ||
| Efficiency Ratio | 64.49% | 55.74% | 64.58% | 75.47% | Beats 50% | 371 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.89% | 0.09% | 0.42% | 1.07% | Beats 30% | 519 / 743 | ||
| Net Charge-Offs / Loans | 0.06% | 0.00% | 0.01% | 0.05% | Beats 22% | 582 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.57% | 11.55% | 13.75% | 17.60% | Beats 48% | 390 / 746 | ||
| Total Risk-Based Capital Ratio | 14.75% | 11.71% | 14.33% | 18.43% | Beats 53% | 349 / 746 | ||
| Equity / Assets | 6.62% | 8.90% | 10.51% | 13.06% | Beats 4% | 714 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 68.27% | 61.31% | 78.27% | 90.78% | 33rd pctl | 499 / 746 | ||
| Loans / Assets | 61.52% | 53.60% | 66.97% | 76.08% | 38th pctl | 461 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||