Richmond Hill, GA · Cert 16780 · Great Oaks Finl Holdings Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Savannah, GA · 2026 SOD (annual) · 1.9% share · #14 of 24 inst. · $0.2B of $9.5B
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 | 1.11% | 1.10% | 1.23% | 1.34% | 1.23% | 1.22% | 1.07% | 1.15% | -20 bps | |
| Return on Equity | 14.22% | 13.90% | 15.28% | 16.61% | 15.15% | 13.41% | 11.16% | 12.12% | -449 bps | |
| Net Interest Margin | 4.16% | 4.15% | 4.42% | 4.46% | 4.50% | 4.47% | 4.34% | 4.21% | -25 bps | |
| Efficiency Ratio | 66.38% | 66.82% | 62.66% | 62.30% | 65.36% | 67.61% | 68.63% | 68.57% | +627 bps | |
| Non-Interest Burden | 2.61% | 2.63% | 2.56% | 2.59% | 2.80% | 2.91% | 2.84% | 2.75% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.82% | 6.50% | 1.27% | 3.59% | 7.14% | 6.43% | 11.17% | 6.66% | +308 bps | |
| Loan Growth (YoY) | 25.46% | 18.38% | 21.05% | 8.78% | 5.77% | 10.23% | 5.21% | 3.42% | -536 bps | |
| Deposit Growth (YoY) | 18.96% | 6.29% | -0.24% | 3.01% | 6.29% | 3.83% | 9.60% | 4.57% | +155 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.14% | 0.04% | 0.04% | 0.04% | 0.00% | 0.01% | 0.03% | 0.10% | +6 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.06% | 0.02% | -0.01% | -0.01% | -0.02% | -0.05% | 0.03% | +4 bps | |
| Allowance / Loans | 1.57% | 1.60% | 1.54% | 1.62% | 1.69% | 1.54% | 1.49% | 1.46% | -16 bps | |
| Allowance Coverage of NPLs | 11.6x | 37.5x | 42.4x | 40.3x | 557.8x | 304.1x | 54.6x | 14.0x | -26.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.12% | 9.27% | 9.37% | 9.45% | 9.37% | 10.61% | 10.38% | 10.25% | +80 bps | |
| Total Risk-Based Capital | 13.55% | 13.55% | 13.20% | 14.53% | 14.02% | 15.50% | 14.66% | 15.03% | +50 bps | |
| Equity / Assets | 7.93% | 7.93% | 8.12% | 8.07% | 8.20% | 10.04% | 9.23% | 9.71% | +164 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.13% | 73.41% | 78.94% | 75.15% | 71.77% | 77.93% | 75.78% | 74.33% | -83 bps | |
| Liquid Assets / Assets | 7.73% | 3.88% | 3.87% | 9.36% | 7.91% | 3.49% | 4.85% | 7.30% | -206 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 418% | 387% | 385% | n/a | n/a | |