Bellville, GA · Cert 15826 · Southern Bankshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Jacksonville, FL · 2026 SOD (annual) · 0.1% share · #27 of 36 inst. · $0.1B of $120.9B
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 | 0.57% | 0.47% | 0.40% | 0.54% | 0.47% | 0.43% | 0.13% | 0.34% | -20 bps | |
| Return on Equity | 4.37% | 3.49% | 2.73% | 3.66% | 3.31% | 3.03% | 1.06% | 2.75% | -91 bps | |
| Net Interest Margin | 3.88% | 3.75% | 4.15% | 4.26% | 4.10% | 3.91% | 3.93% | 3.75% | -51 bps | |
| Efficiency Ratio | 81.12% | 81.85% | 86.76% | 81.41% | 81.41% | 82.82% | 85.93% | 84.56% | +315 bps | |
| Non-Interest Burden | 3.06% | 2.98% | 3.54% | 3.39% | 3.26% | 3.17% | 3.33% | 3.12% | -27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 24.50% | 36.18% | 33.83% | 24.96% | 31.62% | 19.05% | 29.72% | 28.13% | +317 bps | |
| Loan Growth (YoY) | 7.28% | 18.49% | 32.07% | 55.22% | 51.12% | 43.53% | 55.14% | 37.42% | -1,780 bps | |
| Deposit Growth (YoY) | 12.55% | 26.94% | 24.70% | 28.99% | 37.69% | 21.41% | 30.67% | 23.29% | -570 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.44% | 0.69% | 0.61% | 0.58% | 0.54% | 0.47% | 0.39% | 2.51% | +193 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.13% | 0.06% | 0.06% | 0.05% | 0.00% | 0.00% | -6 bps | |
| Allowance / Loans | 1.93% | 1.87% | 1.67% | 1.59% | 1.60% | 1.55% | 1.44% | 1.43% | -16 bps | |
| Allowance Coverage of NPLs | 4.4x | 2.7x | 2.7x | 2.7x | 3.0x | 3.3x | 3.6x | 0.6x | -2.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 18.50% | 17.11% | 16.02% | 15.65% | 15.04% | 14.15% | 13.41% | 12.60% | -305 bps | |
| Total Risk-Based Capital | 28.84% | 25.80% | 24.32% | 21.49% | 20.93% | 18.21% | 16.95% | 16.65% | -485 bps | |
| Equity / Assets | 16.98% | 14.79% | 14.78% | 14.35% | 13.40% | 13.30% | 11.94% | 11.68% | -267 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.00% | 64.58% | 71.39% | 77.55% | 73.54% | 76.34% | 84.75% | 86.44% | +889 bps | |
| Liquid Assets / Assets | 9.33% | 7.70% | 7.12% | 6.21% | 5.21% | 9.14% | 9.17% | 9.04% | +283 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 318% | 326% | 405% | n/a | n/a | |