PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Carolina Foothills

Spartanburg, SC · Charter 13476

NCUA · 6 branches

Q2 2026

$224.3MAssets
$159.1MLoans
$188.8MShares
$27.0MNet Worth

Executive Summary

  • Earnings: ROA of 1.39%, up 4 bps year over year; NIM at 3.60%.
  • Asset quality: problem loans at 1.30% of loans (+27 bps YoY).
  • Capital: net worth / assets of 12.03%, down 34 bps from a year ago.
  • Funding: loans stand at 84.30% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.39%+4 bps YoY

Net Interest Margin (YTD, annualized)

3.60%-12 bps YoY

Efficiency Ratio (YTD, annualized)

71.53%-109 bps YoY

Net Worth / Assets

12.03%-34 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.10%-0.19%1.31%1.36%0.96%0.81%3.02%1.39%+4 bps
Return on Equity-0.81%-1.66%11.00%10.98%8.01%6.87%24.59%11.59%+61 bps
Net Interest Margin3.31%3.28%3.56%3.73%3.65%3.57%3.61%3.60%-12 bps
Efficiency Ratio94.64%93.14%73.04%72.62%76.13%77.30%58.14%71.53%-109 bps
Growth
Asset Growth (YoY)3.31%3.89%2.03%1.23%5.18%6.27%7.75%10.23%+900 bps
Loan Growth (YoY)5.54%3.47%1.41%7.33%7.74%9.96%11.03%5.62%-171 bps
Share Growth (YoY)4.73%5.72%5.66%4.67%8.08%6.05%4.74%7.92%+326 bps
Asset Quality
Delinquent Loans / Loans1.09%1.04%0.71%1.03%1.35%1.09%1.04%1.30%+27 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.98%11.59%11.95%12.36%11.93%11.74%12.28%12.03%-34 bps
Net Worth / Assets11.98%11.59%11.95%12.36%11.93%11.74%12.28%12.03%-34 bps
Liquidity & Funding
Loans / Shares85.23%82.29%80.65%86.14%84.96%85.32%85.49%84.30%-184 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps