Crawford, GA · Cert 175 · TCB Bancshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Athens-Clarke County, GA · 2026 SOD (annual) · 6.5% share · #7 of 19 inst. · $0.4B of $6.4B
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 | 2.02% | 2.09% | 2.32% | 2.38% | 2.39% | 2.09% | 2.46% | 2.48% | +9 bps | |
| Return on Equity | 29.56% | 28.32% | 32.13% | 31.92% | 29.54% | 24.66% | 29.31% | 29.19% | -273 bps | |
| Net Interest Margin | 4.27% | 4.75% | 4.71% | 4.88% | 5.03% | 4.93% | 4.84% | 5.01% | +14 bps | |
| Efficiency Ratio | 47.69% | 49.76% | 43.17% | 43.67% | 45.38% | 50.07% | 40.38% | 42.06% | -162 bps | |
| Non-Interest Burden | 1.67% | 1.99% | 1.63% | 1.72% | 1.88% | 2.14% | 1.58% | 1.76% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.59% | 7.65% | -3.26% | -6.08% | 3.92% | 6.89% | 6.55% | 8.49% | +1,456 bps | |
| Loan Growth (YoY) | 10.57% | 9.68% | 7.32% | 6.92% | 4.42% | 7.62% | 9.12% | 11.94% | +502 bps | |
| Deposit Growth (YoY) | 6.15% | 7.19% | 5.12% | 2.21% | 2.68% | 5.37% | 5.23% | 7.24% | +503 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.11% | 0.00% | 0.02% | 0.05% | 0.15% | 0.14% | 0.12% | 0.17% | +12 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | -0.01% | -0.01% | -0.01% | -0.01% | 0.01% | -0.01% | +1 bps | |
| Allowance / Loans | 1.76% | 1.78% | 1.80% | 1.78% | 1.81% | 1.78% | 1.77% | 1.70% | -8 bps | |
| Allowance Coverage of NPLs | 16.0x | n/a | 93.6x | 37.1x | 12.3x | 12.6x | 14.6x | 10.2x | -26.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.19% | 10.41% | 9.89% | 10.41% | 10.77% | 10.77% | 10.34% | 10.72% | +31 bps | |
| Total Risk-Based Capital | 9.19% | 10.41% | 9.89% | 10.41% | 10.77% | 10.77% | 10.34% | 10.72% | +31 bps | |
| Equity / Assets | 7.50% | 7.23% | 7.24% | 7.70% | 8.48% | 8.49% | 8.28% | 8.68% | +98 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.74% | 75.22% | 75.96% | 79.58% | 79.06% | 76.83% | 78.77% | 83.07% | +348 bps | |
| Liquid Assets / Assets | 1.19% | 1.09% | 1.10% | 1.09% | 1.07% | 1.01% | 1.02% | 1.00% | -9 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 353% | 341% | 351% | n/a | n/a | |