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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.51% | 1.51% | 1.50% | 1.52% | 1.58% | +7 bps | |
| Return on Equity | 17.92% | 17.54% | 17.14% | 16.47% | 16.95% | -98 bps | |
| Net Interest Margin | 3.39% | 3.44% | 3.50% | 3.50% | 3.59% | +19 bps | |
| Efficiency Ratio | 50.35% | 50.08% | 51.03% | 48.96% | 47.67% | -268 bps | |
| Non-Interest Burden | 1.50% | 1.51% | 1.58% | 1.51% | 1.45% | -5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 15.83% | 12.33% | 6.71% | 4.73% | 3.68% | -1,215 bps | |
| Loan Growth (YoY) | 2.08% | -1.55% | 6.08% | 8.25% | 9.21% | +712 bps | |
| Deposit Growth (YoY) | 14.20% | 12.39% | 5.65% | 3.93% | 2.92% | -1,128 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.71% | 0.30% | 0.19% | 0.20% | 0.09% | -62 bps | |
| Net Charge-Offs / Loans | -0.05% | 0.08% | 0.14% | -0.02% | -0.02% | +3 bps | |
| Allowance / Loans | 1.69% | 1.62% | 1.52% | 1.57% | 1.62% | -7 bps | |
| Allowance Coverage of NPLs | 2.4x | 5.3x | 8.2x | 7.8x | 18.4x | +16.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.76% | 10.00% | 10.31% | 10.10% | 10.25% | +49 bps | |
| Total Risk-Based Capital | 18.63% | 18.93% | 18.37% | 18.89% | 18.94% | +31 bps | |
| Equity / Assets | 8.67% | 9.16% | 9.22% | 9.29% | 9.49% | +82 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 56.31% | 57.79% | 58.76% | 58.02% | 59.75% | +344 bps | |
| Liquid Assets / Assets | 24.20% | 24.01% | 23.03% | 23.97% | 23.05% | -115 bps | |
| CRE / Total Capital | n/a | 226% | 234% | 237% | n/a | n/a | |