PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bank of Alapaha

Alapaha, GA · Cert 155 · Alapaha Holding Co.

State charter, non-member · FDIC · 4 branches

Q2 2026

$251.0MAssets
$126.7MLoans
$230.0MDeposits
$19.3MEquity
Loan mix
68%RE $70.8M27%C&I $28.5M5%Consumer $5.5MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $163.8M29%Noninterest $66.2MQ2 2025Q2 2026

NIM

4.69%Q2 ’244.67%Q2 ’254.55%Q2 ’26+7%+0%

Non-interest income vs. expense

2.63%Q2 ’242.72%Q2 ’252.84%Q2 ’26+1%+6%

Executive Summary

  • Earnings: ROA of 0.65%, down 16 bps year over year; NIM at 3.34%.
  • Asset quality: problem loans at 0.34% of loans (-7 bps YoY), with net recoveries of 0.08%.
  • Capital: tier 1 leverage ratio of 10.23%, down 2 bps from a year ago.
  • Funding: loans stand at 55.10% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.65%-16 bps YoY

Net Interest Margin (quarter, annualized)

3.34%0 bps YoY

Efficiency Ratio (quarter, annualized)

77.87%+350 bps YoY

Tier 1 Leverage Ratio

10.23%-2 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.81%0.85%0.63%0.66%0.65%-16 bps
Return on Equity11.49%11.44%8.20%8.66%8.47%-303 bps
Net Interest Margin3.34%3.39%3.23%3.22%3.34%0 bps
Efficiency Ratio74.37%73.15%74.03%74.17%77.87%+350 bps
Non-Interest Burden2.40%2.40%2.30%2.31%2.53%+13 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 / Loans0.41%0.06%0.37%0.39%0.34%-7 bps
Net Charge-Offs / Loans0.01%0.00%0.08%-0.15%-0.08%-8 bps
Allowance / Loans2.39%2.34%2.38%2.47%2.35%-4 bps
Allowance Coverage of NPLs5.8x39.2x6.5x6.4x6.9x+1.1x
Capital
Tier 1 Leverage Ratio10.24%10.39%10.06%10.08%10.23%-2 bps
Total Risk-Based Capital20.04%20.73%20.69%21.20%20.76%+72 bps
Equity / Assets7.15%7.76%7.54%7.62%7.71%+56 bps
Liquidity & Funding
Loans / Deposits56.10%56.36%53.27%52.17%55.10%-100 bps
Liquid Assets / Assets14.92%13.96%16.64%20.56%18.30%+338 bps
CRE / Total Capitaln/a37.26%32.84%32.74%n/an/a