Washington, GA · Cert 16897 · Washington Wilkes Holding Co.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Augusta-Richmond County, GA-SC · 2026 SOD (annual) · 0.8% share · #19 of 25 inst. · $0.1B of $12.9B
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 | 1.44% | 1.44% | 1.45% | 1.43% | 1.40% | -4 bps | |
| Return on Equity | 12.09% | 11.80% | 11.77% | 11.34% | 11.02% | -107 bps | |
| Net Interest Margin | 4.33% | 4.39% | 4.33% | 4.28% | 4.37% | +4 bps | |
| Efficiency Ratio | 60.62% | 59.95% | 57.17% | 59.91% | 61.02% | +39 bps | |
| Non-Interest Burden | 2.42% | 2.44% | 2.28% | 2.39% | 2.50% | +8 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.55% | 6.31% | 5.61% | 7.60% | 6.38% | +82 bps | |
| Loan Growth (YoY) | 9.55% | 10.26% | 13.19% | 11.27% | 8.92% | -63 bps | |
| Deposit Growth (YoY) | 5.42% | 6.38% | 4.44% | 7.43% | 5.91% | +49 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.48% | 0.13% | 0.09% | 0.07% | 0.38% | -9 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.35% | 0.26% | 0.00% | 0.00% | -4 bps | |
| Allowance / Loans | 1.80% | 1.70% | 1.88% | 1.92% | 1.92% | +13 bps | |
| Allowance Coverage of NPLs | 3.8x | 12.7x | 22.0x | 27.3x | 5.0x | +1.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.67% | 15.10% | 15.08% | 14.40% | 14.93% | +26 bps | |
| Total Risk-Based Capital | 14.67% | 15.10% | 15.08% | 14.40% | 14.93% | +26 bps | |
| Equity / Assets | 12.18% | 13.04% | 12.78% | 12.50% | 12.96% | +78 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 76.59% | 79.49% | 77.53% | 76.18% | 78.77% | +217 bps | |
| Liquid Assets / Assets | 1.82% | 0.91% | 3.52% | 4.62% | 2.74% | +92 bps | |
| CRE / Total Capital | n/a | 190.61% | 194.62% | 198.11% | n/a | n/a | |