Rochelle, GA · Cert 16609 · St Hldgs Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.36% | -0.09% | 0.05% | 0.12% | 0.11% | 0.21% | 0.13% | 0.20% | +9 bps | |
| Return on Equity | -39.43% | -1.14% | 0.66% | 1.40% | 1.30% | 2.48% | 1.61% | 2.54% | +115 bps | |
| Net Interest Margin | 3.17% | 2.71% | 3.01% | 3.46% | 3.54% | 3.53% | 3.36% | 3.51% | +5 bps | |
| Efficiency Ratio | 103.15% | 107.35% | 94.61% | 89.88% | 90.86% | 94.27% | 92.16% | 84.27% | -562 bps | |
| Non-Interest Burden | 3.24% | 2.90% | 2.82% | 3.07% | 3.17% | 3.32% | 3.08% | 2.94% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.88% | 27.45% | 10.49% | 4.47% | 8.10% | 0.38% | 10.53% | 12.67% | +821 bps | |
| Loan Growth (YoY) | 35.46% | 23.28% | 13.91% | 10.03% | 6.80% | 5.31% | 8.48% | 13.86% | +384 bps | |
| Deposit Growth (YoY) | 20.84% | 24.10% | 23.04% | 14.60% | 13.18% | 7.10% | 10.84% | 9.70% | -490 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.97% | 1.46% | 1.54% | 1.48% | 1.73% | 2.12% | 3.12% | 3.40% | +192 bps | |
| Net Charge-Offs / Loans | 4.21% | 0.01% | -0.01% | 0.00% | 0.00% | 0.16% | -0.01% | 0.13% | +13 bps | |
| Allowance / Loans | 0.92% | 0.94% | 0.91% | 0.96% | 1.00% | 1.04% | 1.01% | 1.00% | +4 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.6x | 0.6x | 0.6x | 0.6x | 0.5x | 0.3x | 0.3x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.71% | 8.43% | 8.26% | 8.56% | 8.50% | 8.47% | 8.24% | 8.02% | -54 bps | |
| Total Risk-Based Capital | 11.36% | 11.63% | 11.51% | 11.35% | 11.07% | 12.00% | 12.00% | 11.45% | +10 bps | |
| Equity / Assets | 8.27% | 7.62% | 8.27% | 8.38% | 8.34% | 8.59% | 8.07% | 7.95% | -44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.49% | 79.11% | 79.74% | 83.59% | 86.33% | 77.78% | 78.05% | 86.76% | +317 bps | |
| Liquid Assets / Assets | 4.26% | 15.49% | 10.19% | 4.36% | 4.50% | 10.10% | 10.44% | 2.03% | -233 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 172.61% | 159.39% | 166.39% | n/a | n/a | |