Americus, GA · Cert 15477 · Cba Bankshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in GA (n=58 to 59). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
46
Asset Quality
75
Profitability
57
Liquidity
50
Efficiency
88
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Americus, GA · Cert 15477 · Cba Bankshares Inc.
State charter, non-member · FDIC · 3 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 | 1.48% | 1.47% | 1.52% | 1.51% | 1.51% | 1.50% | 1.52% | 1.58% | +7 bps | |
| Return on Equity | 17.94% | 17.90% | 18.26% | 17.92% | 17.54% | 17.14% | 16.47% | 16.95% | -98 bps | |
| Net Interest Margin | 3.51% | 3.38% | 3.39% | 3.39% | 3.44% | 3.50% | 3.50% | 3.59% | +19 bps | |
| Efficiency Ratio | 52.39% | 52.82% | 49.59% | 50.35% | 50.08% | 51.03% | 48.96% | 47.67% | -268 bps | |
| Non-Interest Burden | 1.62% | 1.57% | 1.47% | 1.50% | 1.51% | 1.58% | 1.51% | 1.45% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.83% | 6.26% | 10.16% | 15.83% | 12.33% | 6.71% | 4.73% | 3.68% | -1,215 bps | |
| Loan Growth (YoY) | 5.76% | 3.58% | 0.60% | 2.08% | -1.55% | 6.08% | 8.25% | 9.21% | +712 bps | |
| Deposit Growth (YoY) | 1.72% | 5.63% | 9.56% | 14.20% | 12.39% | 5.65% | 3.93% | 2.92% | -1,128 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.22% | 0.22% | 0.32% | 0.71% | 0.30% | 0.19% | 0.20% | 0.09% | -62 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.03% | -0.05% | 0.08% | 0.14% | -0.02% | -0.02% | +3 bps | |
| Allowance / Loans | 1.62% | 1.66% | 1.72% | 1.69% | 1.62% | 1.52% | 1.57% | 1.62% | -7 bps | |
| Allowance Coverage of NPLs | 7.2x | 7.6x | 5.4x | 2.4x | 5.3x | 8.2x | 7.8x | 18.4x | +16.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.32% | 10.05% | 9.73% | 9.76% | 10.00% | 10.31% | 10.10% | 10.25% | +49 bps | |
| Total Risk-Based Capital | 16.77% | 17.54% | 18.74% | 18.63% | 18.93% | 18.37% | 18.89% | 18.94% | +31 bps | |
| Equity / Assets | 8.98% | 8.19% | 8.47% | 8.67% | 9.16% | 9.22% | 9.29% | 9.49% | +82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.97% | 58.53% | 55.70% | 56.31% | 57.79% | 58.76% | 58.02% | 59.75% | +344 bps | |
| Liquid Assets / Assets | 16.28% | 21.59% | 24.65% | 24.20% | 24.01% | 23.03% | 23.97% | 23.05% | -115 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 226% | 234% | 237% | n/a | n/a | |
Americus, GA · Cert 15477 · Peer group: banks under $1B in assets in GA (n=58-59) · Cba Bankshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
1.57%
Rank 22 of 59
Net Interest Margin
3.59%
Rank 46 of 59
Efficiency Ratio
47.67%
Rank 8 of 59
Equity / Assets
9.49%
Rank 44 of 59
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.57% | 0.94% | 1.46% | 1.76% | Beats 63% | 22 / 59 | ||
| Return on Equity | 16.55% | 7.92% | 11.60% | 15.10% | Beats 86% | 8 / 59 | ||
| Net Interest Margin | 3.59% | 3.66% | 4.24% | 4.75% | Beats 22% | 46 / 59 | ||
| Efficiency Ratio | 47.67% | 51.87% | 60.25% | 70.24% | Beats 88% | 8 / 59 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.09% | 0.10% | 0.36% | 0.89% | Beats 78% | 14 / 58 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.05% | Beats 71% | 20 / 58 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.69% | 11.93% | 15.65% | 21.05% | Beats 56% | 26 / 59 | ||
| Total Risk-Based Capital Ratio | 18.94% | 12.05% | 15.77% | 22.26% | Beats 56% | 26 / 59 | ||
| Equity / Assets | 9.49% | 9.10% | 11.51% | 14.32% | Beats 25% | 44 / 59 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 59.75% | 59.62% | 72.81% | 85.44% | 26th pctl | 43 / 58 | ||
| Loans / Assets | 53.07% | 49.55% | 64.39% | 73.73% | 32nd pctl | 40 / 59 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||