Cochran, GA · Cert 16275 · Putnam-Greene Financial Corp.
State charter, non-member · FDIC · 3 affiliate banks · 2 branches (7 in holding)
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 | 1.88% | 1.99% | 1.91% | 1.95% | 2.01% | +13 bps | |
| Return on Equity | 15.26% | 15.77% | 14.87% | 14.05% | 14.23% | -104 bps | |
| Net Interest Margin | 5.18% | 5.23% | 5.22% | 5.34% | 5.39% | +21 bps | |
| Efficiency Ratio | 49.60% | 48.25% | 48.66% | 52.31% | 51.87% | +227 bps | |
| Non-Interest Burden | 2.44% | 2.39% | 2.39% | 2.59% | 2.59% | +15 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.36% | 7.75% | 3.71% | 3.44% | 2.35% | -901 bps | |
| Loan Growth (YoY) | 14.70% | 9.23% | 10.68% | 8.25% | 3.11% | -1,159 bps | |
| Deposit Growth (YoY) | 9.50% | 5.86% | 0.77% | 1.41% | 0.17% | -933 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.37% | 0.70% | 1.14% | 0.53% | 0.33% | -4 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.02% | -0.02% | 0.34% | 0.17% | +20 bps | |
| Allowance / Loans | 1.42% | 1.49% | 1.67% | 1.59% | 1.58% | +17 bps | |
| Allowance Coverage of NPLs | 3.8x | 2.1x | 1.5x | 3.0x | 4.8x | +1.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.37% | 13.86% | 14.22% | 14.20% | 14.76% | +139 bps | |
| Total Risk-Based Capital | 20.05% | 20.72% | 21.01% | 21.75% | 22.26% | +222 bps | |
| Equity / Assets | 13.06% | 13.44% | 13.74% | 13.99% | 14.75% | +169 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 96.93% | 96.12% | 96.37% | 96.05% | 99.78% | +284 bps | |
| Liquid Assets / Assets | 8.22% | 9.11% | 10.34% | 10.83% | 8.44% | +22 bps | |
| CRE / Total Capital | n/a | 287% | 293% | 272% | n/a | n/a | |