Camilla, GA · Cert 17190 · Camilla Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
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 | 1.11% | 1.06% | 1.00% | 1.69% | 1.38% | +27 bps | |
| Return on Equity | 5.15% | 4.93% | 4.75% | 8.38% | 6.68% | +153 bps | |
| Net Interest Margin | 3.57% | 3.41% | 3.11% | 3.24% | 3.60% | +3 bps | |
| Efficiency Ratio | 62.40% | 62.16% | 69.08% | 54.54% | 57.05% | -535 bps | |
| Non-Interest Burden | 2.14% | 2.03% | 2.08% | 1.30% | 1.87% | -26 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.74% | 4.56% | 2.74% | 13.21% | 3.28% | +53 bps | |
| Loan Growth (YoY) | 11.34% | 6.98% | 6.22% | 7.85% | 4.90% | -644 bps | |
| Deposit Growth (YoY) | 2.06% | 4.61% | 2.61% | 16.28% | 3.94% | +187 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.42% | 0.43% | 0.41% | 0.38% | 0.37% | -4 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.09% | 1.10% | 1.12% | 1.10% | 1.04% | -5 bps | |
| Allowance Coverage of NPLs | 2.6x | 2.6x | 2.7x | 2.9x | 2.8x | +0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 21.82% | 21.96% | 21.45% | 19.97% | 20.79% | -103 bps | |
| Total Risk-Based Capital | 21.82% | 21.96% | 21.45% | 19.97% | 20.79% | -103 bps | |
| Equity / Assets | 21.05% | 21.79% | 20.30% | 20.08% | 21.08% | +3 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.23% | 86.97% | 76.60% | 78.24% | 87.03% | +80 bps | |
| Liquid Assets / Assets | 0.87% | 1.63% | 10.69% | 7.89% | 1.64% | +77 bps | |
| CRE / Total Capital | n/a | 117.85% | 113.15% | 117.53% | n/a | n/a | |