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 | |