Brunswick, GA · Cert 16283 · WB&T Bankshares Inc.
State charter, non-member · FDIC · 2 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
10
Asset Quality
38
Profitability
60
Liquidity
89
Efficiency
60
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.
Brunswick, GA · Cert 16283 · WB&T Bankshares Inc.
State charter, non-member · FDIC · 2 affiliate banks · 2 branches (8 in holding)
Q2 2026
Market Position · Brunswick-St. Simons, GA · 2026 SOD (annual) · 7.1% share · #9 of 14 inst. · $0.2B of $3.4B
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 | 0.71% | 0.69% | 1.00% | 1.01% | 1.02% | 1.06% | 1.18% | 1.18% | +17 bps | |
| Return on Equity | 10.76% | 10.29% | 13.28% | 13.55% | 13.45% | 13.84% | 14.69% | 14.54% | +99 bps | |
| Net Interest Margin | 2.85% | 3.06% | 3.19% | 3.30% | 3.41% | 3.48% | 3.63% | 3.59% | +29 bps | |
| Efficiency Ratio | 67.47% | 68.86% | 62.05% | 62.11% | 61.93% | 61.44% | 60.61% | 61.23% | -88 bps | |
| Non-Interest Burden | 1.84% | 2.02% | 1.78% | 1.90% | 1.97% | 2.01% | 2.07% | 2.07% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.49% | 10.55% | 9.72% | 6.36% | 9.54% | 11.04% | 6.20% | 1.87% | -450 bps | |
| Loan Growth (YoY) | 6.19% | 13.45% | 7.05% | 2.13% | 9.74% | 5.17% | 5.16% | 7.02% | +489 bps | |
| Deposit Growth (YoY) | 12.26% | 7.99% | 7.81% | 4.80% | 9.53% | 10.53% | 5.67% | 0.43% | -437 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.28% | 0.22% | 0.44% | 0.43% | 0.22% | 0.03% | 0.49% | 0.49% | +6 bps | |
| Net Charge-Offs / Loans | 0.38% | 0.27% | 0.00% | 0.11% | 0.07% | 0.06% | 0.15% | 0.08% | -4 bps | |
| Allowance / Loans | 1.52% | 1.48% | 1.53% | 1.58% | 1.59% | 1.61% | 1.58% | 1.61% | +3 bps | |
| Allowance Coverage of NPLs | 5.4x | 6.7x | 3.5x | 3.7x | 7.2x | 50.3x | 3.2x | 3.3x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.50% | 9.72% | 9.49% | 9.39% | 9.61% | 9.41% | 9.86% | 9.90% | +52 bps | |
| Total Risk-Based Capital | 14.80% | 9.72% | 9.49% | 9.39% | 9.61% | 9.41% | 9.86% | 9.90% | +52 bps | |
| Equity / Assets | 7.95% | 7.42% | 7.57% | 7.35% | 7.99% | 7.95% | 8.17% | 8.30% | +95 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.37% | 86.44% | 81.82% | 75.70% | 79.51% | 82.25% | 81.43% | 80.66% | +497 bps | |
| Liquid Assets / Assets | 11.27% | 5.64% | 9.41% | 15.28% | 11.58% | 9.01% | 9.62% | 9.86% | -542 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 430% | 436% | 414% | n/a | n/a | |
Brunswick, GA · Cert 16283 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · WB&T Bankshares Inc.
State charter, non-member · FDIC · 2 affiliate banks · 2 branches (8 in holding)
Q2 2026
Return on Assets
1.17%
Rank 310 of 746
Net Interest Margin
3.59%
Rank 407 of 746
Efficiency Ratio
61.23%
Rank 302 of 746
Equity / Assets
8.30%
Rank 625 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.17% | 0.72% | 1.06% | 1.45% | Beats 58% | 310 / 746 | ||
| Return on Equity | 14.14% | 6.74% | 10.51% | 13.63% | Beats 78% | 165 / 746 | ||
| Net Interest Margin | 3.59% | 3.17% | 3.68% | 4.16% | Beats 45% | 407 / 746 | ||
| Efficiency Ratio | 61.23% | 55.74% | 64.58% | 75.47% | Beats 60% | 302 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.49% | 0.09% | 0.42% | 1.07% | Beats 46% | 401 / 743 | ||
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.01% | 0.05% | Beats 30% | 524 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.90% | 11.55% | 13.75% | 17.60% | Beats 7% | 696 / 746 | ||
| Total Risk-Based Capital Ratio | 9.90% | 11.71% | 14.33% | 18.43% | Beats 6% | 698 / 746 | ||
| Equity / Assets | 8.30% | 8.90% | 10.51% | 13.06% | Beats 16% | 625 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.66% | 61.31% | 78.27% | 90.78% | 55th pctl | 336 / 746 | ||
| Loans / Assets | 71.58% | 53.60% | 66.97% | 76.08% | 61st pctl | 290 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||