Quitman, GA · Cert 14731 · Lowndes Bancshares Inc.
National charter · OCC · 2 affiliate banks · 1 branch (12 in holding)
Q2 2026
Market Position · Valdosta, GA · 2026 SOD (annual) · 3.2% share · #12 of 16 inst. · $0.1B 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 | 1.48% | 1.47% | 1.41% | 1.44% | 1.43% | 1.51% | 1.53% | 1.58% | +14 bps | |
| Return on Equity | 13.79% | 13.92% | 13.84% | 13.84% | 13.41% | 13.87% | 14.02% | 14.56% | +72 bps | |
| Net Interest Margin | 3.87% | 3.80% | 3.94% | 4.01% | 4.04% | 3.98% | 3.97% | 4.14% | +13 bps | |
| Efficiency Ratio | 56.27% | 56.71% | 56.22% | 55.34% | 55.44% | 54.30% | 52.73% | 52.13% | -321 bps | |
| Non-Interest Burden | 2.06% | 2.04% | 2.12% | 2.12% | 2.15% | 2.04% | 1.99% | 2.05% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.61% | 9.18% | 5.97% | 10.12% | 4.71% | 4.82% | 2.13% | 1.57% | -855 bps | |
| Loan Growth (YoY) | 12.67% | 12.77% | 9.03% | 6.69% | -3.68% | -7.61% | 1.16% | 7.30% | +60 bps | |
| Deposit Growth (YoY) | 5.05% | 9.96% | 5.84% | 9.56% | 3.84% | 2.79% | 2.23% | 2.13% | -743 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.02% | 0.03% | 0.16% | 0.17% | 0.22% | 0.17% | 0.23% | 0.21% | +4 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.02% | 0.05% | 0.03% | 0.06% | 0.10% | 0.12% | 0.08% | +5 bps | |
| Allowance / Loans | 1.71% | 1.70% | 1.83% | 1.79% | 1.81% | 1.84% | 1.80% | 1.65% | -13 bps | |
| Allowance Coverage of NPLs | 74.9x | 67.8x | 11.3x | 10.5x | 8.4x | 11.1x | 7.9x | 7.8x | -2.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.20% | 11.48% | 11.56% | 11.92% | 12.36% | 12.60% | 10.89% | 11.56% | -36 bps | |
| Total Risk-Based Capital | 20.03% | 19.54% | 21.41% | 20.93% | 20.98% | 23.29% | 18.86% | 19.20% | -174 bps | |
| Equity / Assets | 11.13% | 9.86% | 10.45% | 10.89% | 11.60% | 11.53% | 10.32% | 10.72% | -17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.23% | 67.63% | 63.75% | 66.34% | 66.07% | 60.78% | 63.08% | 69.69% | +336 bps | |
| Liquid Assets / Assets | 7.50% | 11.71% | 15.56% | 13.11% | 12.33% | 18.43% | 14.40% | 8.15% | -496 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 76.04% | 72.29% | 88.89% | n/a | n/a | |