Alamo, GA · Cert 16228
FDIC · 4 branches
Q4 2025
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.89% | 1.87% | 2.24% | 0.72% | -2.32% | -420 bps | |
| Return on Equity | 14.41% | 14.24% | 15.83% | 4.72% | -16.05% | -3,046 bps | |
| Net Interest Margin | 4.50% | 4.53% | 4.87% | 5.05% | 4.81% | +31 bps | |
| Efficiency Ratio | 48.92% | 48.38% | 43.64% | 80.56% | 146.83% | +9,790 bps | |
| Non-Interest Burden | 2.12% | 2.11% | 2.03% | 4.03% | 7.16% | +504 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 38.05% | 21.75% | -8.87% | -6.09% | -7.41% | -4,546 bps | |
| Loan Growth (YoY) | 4.98% | 7.75% | 11.42% | 8.56% | 3.81% | -116 bps | |
| Deposit Growth (YoY) | 44.32% | 23.41% | -11.36% | -8.19% | -7.72% | -5,204 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.14% | 0.07% | 0.06% | 0.11% | 0.20% | +5 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.18% | 0.11% | 0.08% | +8 bps | |
| Allowance / Loans | 1.58% | 1.55% | 1.40% | 1.42% | 1.48% | -10 bps | |
| Allowance Coverage of NPLs | 11.1x | 22.3x | 22.7x | 13.6x | 7.5x | -3.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.19% | 13.52% | 14.25% | 15.10% | 13.91% | +72 bps | |
| Total Risk-Based Capital | 13.19% | 13.52% | 14.25% | 15.10% | 13.91% | +72 bps | |
| Equity / Assets | 12.89% | 13.39% | 14.98% | 15.48% | 13.44% | +54 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 58.99% | 60.76% | 72.82% | 74.31% | 66.36% | +737 bps | |
| Liquid Assets / Assets | 42.13% | 44.77% | 35.93% | 34.84% | 35.81% | -632 bps | |
| CRE / Total Capital | n/a | n/a | n/a | 229% | 238% | n/a | |