Alma, GA · Cert 17011 · First Bk Shares of the S E Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
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 | 2.71% | 2.46% | 2.40% | 2.55% | 2.66% | 2.24% | 2.64% | 2.64% | +8 bps | |
| Return on Equity | 16.95% | 15.72% | 16.50% | 17.12% | 17.56% | 14.79% | 16.99% | 16.86% | -26 bps | |
| Net Interest Margin | 4.62% | 4.33% | 4.40% | 4.51% | 4.60% | 4.62% | 4.78% | 4.83% | +32 bps | |
| Efficiency Ratio | 42.25% | 47.30% | 47.99% | 46.82% | 46.01% | 46.56% | 45.43% | 46.14% | -68 bps | |
| Non-Interest Burden | 1.44% | 1.66% | 1.79% | 1.78% | 1.80% | 1.83% | 1.87% | 1.94% | +16 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 | -0.98% | -0.51% | -0.29% | -0.56% | 0.09% | 0.73% | -2.06% | -1.40% | -84 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 | |