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 | |