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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.52% | 0.51% | 0.65% | 0.73% | 0.77% | 0.73% | 0.66% | 0.65% | -8 bps | |
| Return on Equity | 7.76% | 7.68% | 9.64% | 10.65% | 10.86% | 10.20% | 8.66% | 8.56% | -208 bps | |
| Net Interest Margin | 3.12% | 2.95% | 3.16% | 3.26% | 3.29% | 3.21% | 3.22% | 3.28% | +1 bps | |
| Efficiency Ratio | 78.59% | 78.69% | 77.21% | 75.78% | 74.89% | 74.67% | 74.17% | 76.06% | +28 bps | |
| Non-Interest Burden | 2.39% | 2.27% | 2.35% | 2.38% | 2.38% | 2.31% | 2.31% | 2.42% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.53% | -1.23% | 4.83% | 8.07% | 9.96% | 5.10% | 5.14% | 5.68% | -239 bps | |
| Loan Growth (YoY) | 3.62% | 0.60% | -1.13% | 2.10% | -0.04% | 3.09% | 2.98% | 3.25% | +115 bps | |
| Deposit Growth (YoY) | -1.10% | -1.78% | 4.05% | 7.67% | 10.34% | 4.06% | 4.59% | 5.13% | -254 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.47% | 0.15% | 0.75% | 0.41% | 0.06% | 0.37% | 0.39% | 0.34% | -7 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.05% | -0.02% | -0.01% | -0.01% | 0.02% | -0.15% | -0.11% | -10 bps | |
| Allowance / Loans | 2.32% | 2.47% | 2.52% | 2.39% | 2.34% | 2.38% | 2.47% | 2.35% | -4 bps | |
| Allowance Coverage of NPLs | 5.0x | 16.5x | 3.4x | 5.8x | 39.2x | 6.5x | 6.4x | 6.9x | +1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.87% | 10.06% | 9.97% | 10.24% | 10.39% | 10.06% | 10.08% | 10.23% | -2 bps | |
| Total Risk-Based Capital | 19.78% | 19.58% | 20.17% | 20.04% | 20.73% | 20.69% | 21.20% | 20.76% | +72 bps | |
| Equity / Assets | 7.94% | 6.43% | 6.98% | 7.15% | 7.76% | 7.54% | 7.62% | 7.71% | +56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.21% | 53.77% | 52.99% | 56.10% | 56.36% | 53.27% | 52.17% | 55.10% | -100 bps | |
| Liquid Assets / Assets | 4.88% | 14.72% | 17.19% | 14.92% | 13.96% | 16.64% | 20.56% | 18.30% | +338 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 37.26% | 32.84% | 32.74% | n/a | n/a | |