Lenox, GA · Cert 13832 · Lindsey Family Trust
State charter, non-member · FDIC · 3 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 | 1.98% | 1.86% | 1.21% | 2.41% | 1.17% | 1.32% | 1.09% | 1.94% | -47 bps | |
| Return on Equity | 12.21% | 11.74% | 8.02% | 15.82% | 7.43% | 8.28% | 6.84% | 12.26% | -356 bps | |
| Net Interest Margin | 7.05% | 7.28% | 6.19% | 6.92% | 6.52% | 6.33% | 6.02% | 6.64% | -28 bps | |
| Efficiency Ratio | 69.92% | 71.58% | 78.97% | 64.14% | 69.61% | 79.10% | 79.10% | 65.41% | +128 bps | |
| Non-Interest Burden | 4.54% | 4.98% | 4.76% | 3.78% | 4.42% | 4.67% | 4.66% | 4.16% | +38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.12% | -9.61% | 0.85% | 9.00% | 7.44% | 3.25% | 0.16% | 4.71% | -429 bps | |
| Loan Growth (YoY) | 3.25% | 24.57% | 30.00% | 27.41% | 29.99% | 6.48% | 7.64% | 14.76% | -1,264 bps | |
| Deposit Growth (YoY) | -14.23% | -12.49% | 0.06% | 9.56% | 7.94% | 3.16% | -2.01% | 4.49% | -507 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.52% | 1.50% | 1.23% | 1.32% | 1.22% | 1.99% | 2.09% | 1.36% | +4 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.00% | 0.07% | -0.05% | 0.83% | -0.05% | -0.03% | -10 bps | |
| Allowance / Loans | 1.71% | 1.51% | 1.45% | 1.37% | 1.58% | 1.51% | 1.45% | 1.30% | -7 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.0x | 1.2x | 1.0x | 1.3x | 0.8x | 0.7x | 1.0x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.49% | 15.06% | 14.23% | 15.95% | 15.65% | 15.67% | 15.86% | 16.15% | +21 bps | |
| Total Risk-Based Capital | 36.78% | 33.27% | 31.76% | 33.25% | 33.64% | 35.78% | 33.78% | 31.81% | -144 bps | |
| Equity / Assets | 16.36% | 15.28% | 14.85% | 15.67% | 15.88% | 15.89% | 15.87% | 15.84% | +17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.96% | 59.18% | 57.09% | 60.68% | 63.78% | 61.08% | 62.71% | 66.64% | +596 bps | |
| Liquid Assets / Assets | 48.81% | 43.24% | 42.99% | 40.53% | 38.14% | 40.96% | 40.03% | 35.22% | -531 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 68.82% | 69.68% | 73.78% | n/a | n/a | |