Alma, GA · Cert 17011 · First Bk Shares of the S E Inc.
State charter, non-member · FDIC · 4 branches
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 | 2.03% | 1.80% | 2.40% | 2.69% | 2.89% | 1.01% | 2.64% | 2.64% | -5 bps | |
| Return on Equity | 12.48% | 11.77% | 16.50% | 17.73% | 18.36% | 6.51% | 16.99% | 16.71% | -102 bps | |
| Net Interest Margin | 4.67% | 4.65% | 4.40% | 4.67% | 4.93% | 4.74% | 4.78% | 4.96% | +29 bps | |
| Efficiency Ratio | 44.11% | 62.04% | 47.99% | 45.72% | 44.50% | 48.17% | 45.43% | 46.82% | +110 bps | |
| Non-Interest Burden | 1.75% | 2.68% | 1.79% | 1.80% | 1.90% | 1.96% | 1.87% | 2.05% | +25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.41% | 18.22% | 16.14% | 13.38% | 11.00% | 3.55% | 1.87% | 6.12% | -726 bps | |
| Loan Growth (YoY) | 13.44% | 9.87% | 4.03% | 5.00% | 3.46% | 8.97% | 10.98% | 12.07% | +707 bps | |
| Deposit Growth (YoY) | 10.00% | 19.83% | 17.74% | 14.42% | 11.55% | 2.35% | 0.46% | 5.69% | -873 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.10% | 0.01% | 0.00% | 0.00% | 0.06% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -1.20% | 0.97% | -0.29% | -0.85% | 1.38% | 2.64% | -2.06% | -0.82% | +3 bps | |
| Allowance / Loans | 3.11% | 2.97% | 3.01% | 3.14% | 2.71% | 2.64% | 3.08% | 3.17% | +3 bps | |
| Allowance Coverage of NPLs | 31.8x | 362.4x | 6498.5x | n/a | 48.9x | n/a | n/a | 1434.4x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.92% | 14.90% | 15.13% | 15.62% | 15.79% | 15.26% | 15.96% | 16.24% | +61 bps | |
| Total Risk-Based Capital | 24.25% | 23.22% | 23.58% | 23.97% | 24.21% | 23.65% | 24.12% | 24.18% | +21 bps | |
| Equity / Assets | 16.23% | 14.40% | 14.73% | 15.64% | 15.82% | 15.26% | 15.79% | 15.85% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.75% | 73.33% | 72.73% | 76.86% | 77.68% | 78.08% | 80.34% | 81.50% | +464 bps | |
| Liquid Assets / Assets | 11.12% | 12.29% | 11.36% | 14.11% | 3.49% | 6.83% | 5.43% | 4.86% | -925 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 207% | 218% | 216% | n/a | n/a | |