Alapaha, GA · Cert 155 · Alapaha Holding Co.
State charter, non-member · FDIC · 4 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 | 0.73% | 0.77% | 0.73% | 0.66% | 0.65% | -8 bps | |
| Return on Equity | 10.65% | 10.86% | 10.20% | 8.66% | 8.56% | -208 bps | |
| Net Interest Margin | 3.26% | 3.29% | 3.21% | 3.22% | 3.28% | +1 bps | |
| Efficiency Ratio | 75.78% | 74.89% | 74.67% | 74.17% | 76.06% | +28 bps | |
| Non-Interest Burden | 2.38% | 2.38% | 2.31% | 2.31% | 2.42% | +4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.07% | 9.96% | 5.10% | 5.14% | 5.68% | -239 bps | |
| Loan Growth (YoY) | 2.10% | -0.04% | 3.09% | 2.98% | 3.25% | +115 bps | |
| Deposit Growth (YoY) | 7.67% | 10.34% | 4.06% | 4.59% | 5.13% | -254 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.41% | 0.06% | 0.37% | 0.39% | 0.34% | -7 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | 0.02% | -0.15% | -0.11% | -10 bps | |
| Allowance / Loans | 2.39% | 2.34% | 2.38% | 2.47% | 2.35% | -4 bps | |
| Allowance Coverage of NPLs | 5.8x | 39.2x | 6.5x | 6.4x | 6.9x | +1.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.24% | 10.39% | 10.06% | 10.08% | 10.23% | -2 bps | |
| Total Risk-Based Capital | 20.04% | 20.73% | 20.69% | 21.20% | 20.76% | +72 bps | |
| Equity / Assets | 7.15% | 7.76% | 7.54% | 7.62% | 7.71% | +56 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 56.10% | 56.36% | 53.27% | 52.17% | 55.10% | -100 bps | |
| Liquid Assets / Assets | 14.92% | 13.96% | 16.64% | 20.56% | 18.30% | +338 bps | |
| CRE / Total Capital | n/a | 37.26% | 32.84% | 32.74% | n/a | n/a | |