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 (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 | 1.29% | 1.27% | 1.33% | 1.50% | 1.52% | 1.54% | 1.55% | 1.59% | +9 bps | |
| Return on Equity | 15.14% | 14.97% | 15.95% | 17.92% | 18.03% | 18.20% | 17.79% | 18.20% | +28 bps | |
| Net Interest Margin | 4.52% | 4.35% | 4.71% | 4.77% | 4.76% | 4.61% | 4.78% | 4.95% | +18 bps | |
| Efficiency Ratio | 61.37% | 62.31% | 59.95% | 58.37% | 58.49% | 58.28% | 56.81% | 56.34% | -204 bps | |
| Non-Interest Burden | 2.61% | 2.55% | 2.67% | 2.62% | 2.62% | 2.53% | 2.55% | 2.62% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.15% | 18.71% | 17.03% | 17.53% | 21.62% | 19.18% | 16.52% | 17.31% | -22 bps | |
| Loan Growth (YoY) | 11.82% | 13.07% | 19.92% | 21.39% | 19.40% | 19.21% | 14.58% | 17.86% | -353 bps | |
| Deposit Growth (YoY) | 14.32% | 18.74% | 17.14% | 20.36% | 22.35% | 18.99% | 15.46% | 12.20% | -816 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.67% | 0.64% | 0.52% | 0.44% | 0.49% | 0.67% | 0.62% | 0.32% | -12 bps | |
| Net Charge-Offs / Loans | 0.19% | 0.14% | 0.07% | 0.03% | 0.14% | 0.09% | 0.08% | 0.02% | -1 bps | |
| Allowance / Loans | 0.96% | 0.99% | 1.01% | 1.02% | 0.95% | 0.97% | 0.97% | 0.98% | -4 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.5x | 1.9x | 2.3x | 1.9x | 1.4x | 1.6x | 3.1x | +0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.66% | 9.40% | 9.16% | 9.23% | 9.44% | 9.31% | 9.54% | 9.65% | +42 bps | |
| Total Risk-Based Capital | 9.66% | 9.40% | 9.16% | 9.23% | 9.44% | 9.31% | 9.54% | 9.65% | +42 bps | |
| Equity / Assets | 8.81% | 8.35% | 8.30% | 8.45% | 8.53% | 8.57% | 8.90% | 8.72% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.09% | 87.38% | 88.80% | 90.67% | 87.91% | 87.55% | 88.13% | 95.24% | +458 bps | |
| Liquid Assets / Assets | 5.17% | 8.32% | 7.88% | 6.00% | 9.12% | 9.71% | 9.12% | 7.14% | +114 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 202% | 215% | 200% | n/a | n/a | |