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 (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 | 0.77% | 0.90% | 0.69% | 1.07% | 1.21% | 1.20% | 1.22% | 1.05% | -2 bps | |
| Return on Equity | 9.26% | 10.92% | 8.98% | 13.62% | 14.43% | 15.67% | 18.69% | 15.97% | +235 bps | |
| Net Interest Margin | 3.58% | 3.64% | 3.72% | 3.89% | 4.09% | 3.98% | 3.84% | 3.77% | -12 bps | |
| Efficiency Ratio | 74.52% | 71.42% | 76.53% | 66.58% | 65.52% | 65.55% | 62.66% | 66.31% | -27 bps | |
| Non-Interest Burden | 2.52% | 2.37% | 2.71% | 2.40% | 2.44% | 2.39% | 2.19% | 2.31% | -9 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 | -0.01% | 0.06% | -0.03% | 0.10% | 0.04% | 0.06% | 0.12% | 0.04% | -6 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 | |