Lyons, GA · Cert 15216 · South Georgia Bankshares Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
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 | 1.46% | 1.41% | 1.37% | 1.33% | 0.80% | 1.06% | 1.26% | 1.24% | -8 bps | |
| Return on Equity | 13.39% | 13.08% | 12.97% | 12.66% | 7.76% | 10.18% | 11.91% | 11.66% | -100 bps | |
| Net Interest Margin | 4.12% | 3.88% | 4.05% | 4.04% | 3.69% | 3.80% | 3.81% | 3.92% | -12 bps | |
| Efficiency Ratio | 57.45% | 57.81% | 57.74% | 57.35% | 59.88% | 56.94% | 55.10% | 57.33% | -2 bps | |
| Non-Interest Burden | 2.18% | 2.07% | 2.18% | 2.16% | 2.06% | 2.01% | 1.90% | 2.07% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.53% | 14.68% | 12.71% | 18.12% | 19.17% | 7.00% | 6.88% | 1.01% | -1,712 bps | |
| Loan Growth (YoY) | 6.04% | 0.83% | 3.30% | 10.24% | 7.70% | 15.24% | 20.52% | 12.76% | +252 bps | |
| Deposit Growth (YoY) | 5.45% | 14.93% | 12.62% | 18.64% | 20.49% | 6.64% | 6.93% | 0.44% | -1,820 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.13% | 0.12% | 0.11% | 0.00% | 0.01% | 4.70% | 5.10% | 5.12% | +512 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.12% | 0.93% | 0.67% | 0.01% | 0.00% | -12 bps | |
| Allowance / Loans | 1.62% | 1.66% | 1.65% | 1.52% | 1.35% | 1.52% | 1.52% | 1.60% | +8 bps | |
| Allowance Coverage of NPLs | 12.9x | 13.8x | 15.7x | n/a | 116.3x | 0.3x | 0.3x | 0.3x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.52% | 10.96% | 10.92% | 11.01% | 10.15% | 10.45% | 10.82% | 11.18% | +17 bps | |
| Total Risk-Based Capital | 23.41% | 22.68% | 24.32% | 24.17% | 23.49% | 25.50% | 22.59% | 23.38% | -79 bps | |
| Equity / Assets | 11.31% | 10.50% | 10.58% | 10.38% | 10.02% | 10.56% | 10.55% | 10.89% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.46% | 59.94% | 59.48% | 60.12% | 60.30% | 64.77% | 67.04% | 67.49% | +737 bps | |
| Liquid Assets / Assets | 29.26% | 36.26% | 36.71% | 35.71% | 35.60% | 31.49% | 28.58% | 27.93% | -778 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 272% | 279% | 293% | n/a | n/a | |