Valdosta, GA · Cert 16246 · Lowndes Bancshares Inc.
State savings bank · OCC · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
50
Asset Quality
75
Profitability
91
Liquidity
72
Efficiency
76
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Valdosta, GA · Cert 16246 · Lowndes Bancshares Inc.
State savings bank · OCC · 2 affiliate banks · 5 branches (12 in holding)
Q2 2026
Market Position · Valdosta, GA · 2026 SOD (annual) · 6.6% share · #7 of 16 inst. · $0.2B of $3.8B
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 | 1.64% | 1.64% | 1.62% | 1.71% | 1.79% | 1.77% | 2.02% | 1.94% | +23 bps | |
| Return on Equity | 17.42% | 17.36% | 17.03% | 17.60% | 18.55% | 18.32% | 21.45% | 20.60% | +300 bps | |
| Net Interest Margin | 4.43% | 4.36% | 4.53% | 4.53% | 4.56% | 4.55% | 4.54% | 4.45% | -8 bps | |
| Efficiency Ratio | 60.01% | 61.29% | 60.03% | 58.83% | 57.43% | 58.76% | 53.96% | 55.38% | -346 bps | |
| Non-Interest Burden | 2.39% | 2.42% | 2.42% | 2.34% | 2.24% | 2.30% | 1.79% | 1.91% | -42 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.31% | -0.98% | 2.24% | 0.58% | 1.68% | 8.19% | 13.31% | 14.80% | +1,423 bps | |
| Loan Growth (YoY) | 12.54% | 11.37% | 9.80% | 13.50% | 16.01% | 21.28% | 21.23% | 16.95% | +344 bps | |
| Deposit Growth (YoY) | 5.50% | -1.77% | 1.61% | -0.12% | 1.68% | 6.32% | 12.67% | 14.28% | +1,440 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.06% | 0.04% | 0.07% | 0.03% | 0.12% | 0.06% | 0.04% | 0.04% | +1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | -0.01% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.48% | 1.48% | 1.44% | 1.39% | 1.37% | 1.31% | 1.28% | 1.28% | -11 bps | |
| Allowance Coverage of NPLs | 23.7x | 37.2x | 21.1x | 43.1x | 11.0x | 21.2x | 30.2x | 31.9x | -11.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.37% | 9.77% | 10.76% | 10.97% | 10.34% | 10.45% | 10.19% | 10.32% | -65 bps | |
| Total Risk-Based Capital | 18.51% | 17.78% | 17.74% | 17.55% | 15.95% | 16.06% | 15.51% | 15.68% | -187 bps | |
| Equity / Assets | 9.42% | 9.47% | 9.55% | 10.16% | 9.35% | 9.89% | 8.98% | 9.44% | -72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.97% | 77.30% | 76.88% | 82.45% | 82.11% | 88.17% | 82.73% | 84.37% | +192 bps | |
| Liquid Assets / Assets | 16.51% | 10.74% | 13.80% | 8.71% | 9.14% | 5.96% | 11.44% | 11.37% | +266 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 301% | 318% | 332% | n/a | n/a | |
Valdosta, GA · Cert 16246 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Lowndes Bancshares Inc.
State savings bank · OCC · 2 affiliate banks · 5 branches (12 in holding)
Q2 2026
Return on Assets
1.88%
Rank 61 of 746
Net Interest Margin
4.45%
Rank 108 of 746
Efficiency Ratio
55.38%
Rank 181 of 746
Equity / Assets
9.44%
Rank 503 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.88% | 0.72% | 1.06% | 1.45% | Beats 92% | 61 / 746 | ||
| Return on Equity | 19.94% | 6.74% | 10.51% | 13.63% | Beats 95% | 34 / 746 | ||
| Net Interest Margin | 4.45% | 3.17% | 3.68% | 4.16% | Beats 86% | 108 / 746 | ||
| Efficiency Ratio | 55.38% | 55.74% | 64.58% | 75.47% | Beats 76% | 181 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.04% | 0.09% | 0.42% | 1.07% | Beats 79% | 156 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 71% | 223 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.43% | 11.55% | 13.75% | 17.60% | Beats 56% | 328 / 746 | ||
| Total Risk-Based Capital Ratio | 15.68% | 11.71% | 14.33% | 18.43% | Beats 61% | 293 / 746 | ||
| Equity / Assets | 9.44% | 8.90% | 10.51% | 13.06% | Beats 33% | 503 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 84.37% | 61.31% | 78.27% | 90.78% | 64th pctl | 269 / 746 | ||
| Loans / Assets | 74.51% | 53.60% | 66.97% | 76.08% | 70th pctl | 225 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||