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 (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 | 2.15% | 2.13% | 2.32% | 2.35% | 2.36% | 2.29% | 2.46% | 2.46% | +11 bps | |
| Return on Equity | 33.08% | 32.04% | 32.13% | 31.85% | 30.80% | 29.19% | 29.31% | 29.01% | -283 bps | |
| Net Interest Margin | 4.16% | 4.50% | 4.71% | 4.80% | 4.85% | 4.74% | 4.84% | 4.90% | +9 bps | |
| Efficiency Ratio | 44.23% | 45.68% | 43.17% | 43.42% | 44.10% | 45.64% | 40.38% | 41.24% | -219 bps | |
| Non-Interest Burden | 1.44% | 1.64% | 1.63% | 1.68% | 1.73% | 1.79% | 1.58% | 1.66% | -2 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 | 0.02% | 0.02% | -0.01% | -0.01% | -0.01% | -0.01% | 0.01% | 0.00% | +2 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 | |