Lavonia, GA · Cert 15771 · First Security Bankshares Inc.
State charter, non-member · FDIC · 9 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 | 2.08% | 2.18% | 2.29% | 2.10% | 2.12% | +4 bps | |
| Return on Equity | 18.32% | 18.66% | 19.09% | 16.72% | 16.91% | -141 bps | |
| Net Interest Margin | 4.29% | 4.44% | 4.36% | 4.26% | 4.36% | +7 bps | |
| Efficiency Ratio | 42.81% | 41.90% | 39.23% | 42.13% | 42.39% | -42 bps | |
| Non-Interest Burden | 1.61% | 1.61% | 1.45% | 1.53% | 1.59% | -3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.48% | 4.38% | 1.81% | 0.46% | 2.50% | -197 bps | |
| Loan Growth (YoY) | 6.65% | 9.92% | 5.78% | 6.07% | 6.23% | -42 bps | |
| Deposit Growth (YoY) | 2.62% | 2.55% | 0.21% | 0.34% | 1.91% | -71 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.17% | 0.03% | 0.03% | 0.04% | 0.01% | -15 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.03% | 0.08% | 0.07% | +6 bps | |
| Allowance / Loans | 1.56% | 1.53% | 1.56% | 1.56% | 1.56% | -1 bps | |
| Allowance Coverage of NPLs | 9.3x | 53.7x | 55.5x | 43.7x | 112.0x | +102.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.76% | 13.65% | 14.18% | 12.77% | 13.41% | +65 bps | |
| Total Risk-Based Capital | 12.76% | 13.65% | 14.18% | 12.77% | 13.41% | +65 bps | |
| Equity / Assets | 11.82% | 12.56% | 13.31% | 11.86% | 12.47% | +65 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 57.59% | 59.40% | 58.15% | 57.94% | 60.04% | +244 bps | |
| Liquid Assets / Assets | 12.18% | 11.96% | 15.99% | 13.20% | 13.35% | +117 bps | |
| CRE / Total Capital | n/a | 166.06% | 151.35% | 173.39% | n/a | n/a | |