Americus, GA · Cert 15477 · Cba Bankshares Inc.
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 | 1.59% | 1.49% | 1.52% | 1.51% | 1.50% | 1.47% | 1.52% | 1.64% | +14 bps | |
| Return on Equity | 18.20% | 17.45% | 18.26% | 17.58% | 16.83% | 16.01% | 16.47% | 17.48% | -10 bps | |
| Net Interest Margin | 3.58% | 3.51% | 3.39% | 3.46% | 3.52% | 3.59% | 3.50% | 3.71% | +25 bps | |
| Efficiency Ratio | 50.58% | 54.04% | 49.59% | 51.09% | 49.56% | 53.79% | 48.96% | 46.52% | -457 bps | |
| Non-Interest Burden | 1.58% | 1.68% | 1.47% | 1.56% | 1.53% | 1.74% | 1.51% | 1.40% | -16 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 | 0.01% | -0.01% | -0.03% | -0.07% | 0.34% | 0.31% | -0.02% | -0.01% | +6 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 | |