Willacoochee, GA · Cert 17073 · Atkinson Cnty Bankshares Corp.
State charter, non-member · FDIC · 2 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 | 0.49% | 0.45% | 0.46% | 0.55% | 0.63% | 0.58% | 0.51% | 0.56% | +1 bps | |
| Return on Equity | 3.91% | 3.62% | 3.94% | 4.57% | 5.20% | 4.71% | 4.04% | 4.43% | -14 bps | |
| Net Interest Margin | 2.90% | 2.75% | 2.67% | 2.88% | 2.95% | 2.96% | 2.66% | 2.81% | -6 bps | |
| Efficiency Ratio | 81.80% | 82.69% | 81.96% | 79.79% | 77.35% | 79.13% | 80.95% | 79.80% | +1 bps | |
| Non-Interest Burden | 2.25% | 2.16% | 2.09% | 2.17% | 2.12% | 2.20% | 2.03% | 2.11% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.88% | 2.72% | 8.51% | 7.95% | 5.53% | -4.88% | -1.06% | 0.06% | -789 bps | |
| Loan Growth (YoY) | 2.27% | -0.51% | -0.50% | -4.44% | -0.67% | 6.13% | 3.65% | 6.73% | +1,116 bps | |
| Deposit Growth (YoY) | -9.50% | 2.63% | 9.32% | 8.75% | 5.88% | -5.98% | -1.68% | -0.44% | -918 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.08% | 1.14% | 1.05% | 1.09% | 1.09% | 1.05% | 0.98% | 0.89% | -20 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | -0.01% | -0.01% | -0.01% | -0.01% | 0.00% | 0.03% | +4 bps | |
| Allowance / Loans | 0.69% | 0.72% | 0.70% | 0.72% | 0.69% | 0.68% | 0.68% | 0.66% | -5 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.6x | 0.7x | 0.7x | 0.6x | 0.6x | 0.7x | 0.7x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.11% | 12.43% | 11.74% | 12.15% | 12.78% | 13.10% | 12.44% | 12.45% | +30 bps | |
| Total Risk-Based Capital | 13.11% | 12.43% | 11.74% | 12.15% | 12.78% | 13.10% | 12.44% | 12.45% | +30 bps | |
| Equity / Assets | 13.28% | 11.89% | 11.70% | 12.26% | 13.05% | 12.98% | 12.27% | 12.70% | +44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 42.68% | 35.64% | 35.63% | 36.59% | 40.04% | 40.23% | 37.57% | 39.22% | +263 bps | |
| Liquid Assets / Assets | 58.02% | 63.58% | 64.09% | 63.32% | 59.92% | 59.51% | 62.22% | 60.63% | -269 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 46.77% | 46.70% | 47.90% | n/a | n/a | |