Talbotton, GA · Cert 170
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Columbus, GA-AL · 2026 SOD (annual) · 1.2% share · #10 of 16 inst. · $0.1B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.66% | 1.55% | 1.60% | 1.55% | 1.63% | -3 bps | |
| Return on Equity | 19.82% | 18.26% | 18.69% | 17.79% | 18.47% | -135 bps | |
| Net Interest Margin | 5.01% | 4.91% | 4.94% | 4.78% | 5.17% | +16 bps | |
| Efficiency Ratio | 56.95% | 58.71% | 57.70% | 56.81% | 55.90% | -105 bps | |
| Non-Interest Burden | 2.67% | 2.71% | 2.67% | 2.55% | 2.72% | +5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 17.53% | 21.62% | 19.18% | 16.52% | 17.31% | -22 bps | |
| Loan Growth (YoY) | 21.39% | 19.40% | 19.21% | 14.58% | 17.86% | -353 bps | |
| Deposit Growth (YoY) | 20.36% | 22.35% | 18.99% | 15.46% | 12.20% | -816 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.44% | 0.49% | 0.67% | 0.62% | 0.32% | -12 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.37% | -0.03% | 0.08% | -0.03% | -3 bps | |
| Allowance / Loans | 1.02% | 0.95% | 0.97% | 0.97% | 0.98% | -4 bps | |
| Allowance Coverage of NPLs | 2.3x | 1.9x | 1.4x | 1.6x | 3.1x | +0.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.23% | 9.44% | 9.31% | 9.54% | 9.65% | +42 bps | |
| Total Risk-Based Capital | 9.23% | 9.44% | 9.31% | 9.54% | 9.65% | +42 bps | |
| Equity / Assets | 8.45% | 8.53% | 8.57% | 8.90% | 8.72% | +27 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.67% | 87.91% | 87.55% | 88.13% | 95.24% | +458 bps | |
| Liquid Assets / Assets | 6.00% | 9.12% | 9.71% | 9.12% | 7.14% | +114 bps | |
| CRE / Total Capital | n/a | 202% | 215% | 200% | n/a | n/a | |