PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

R T P

Rtp, NC · Charter 18550

NCUA · 4 branches

Q2 2026

$142.2MAssets
$78.4MLoans
$130.0MShares
$11.5MNet Worth

Executive Summary

  • Earnings: ROA of 0.29%, up 10 bps year over year; NIM at 3.51%.
  • Asset quality: problem loans at 0.85% of loans (+26 bps YoY).
  • Capital: net worth / assets of 8.06%, up 33 bps from a year ago.
  • Funding: loans stand at 60.27% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.29%+10 bps YoY

Net Interest Margin (quarter, annualized)

3.51%+18 bps YoY

Efficiency Ratio (quarter, annualized)

86.40%+105 bps YoY

Net Worth / Assets

8.06%+33 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.24%0.33%-0.10%0.19%0.23%0.25%0.15%0.29%+10 bps
Return on Equity3.08%4.19%-1.26%2.43%2.98%3.13%1.85%3.57%+114 bps
Net Interest Margin3.27%3.26%3.24%3.33%3.43%3.49%3.41%3.51%+18 bps
Efficiency Ratio86.03%84.26%84.89%85.35%84.22%83.21%87.21%86.40%+105 bps
Growth
Asset Growth (YoY)-4.03%0.07%0.93%2.46%2.33%0.82%-0.17%-1.09%-355 bps
Loan Growth (YoY)-14.74%-16.08%-11.33%-8.99%-4.00%-4.93%-3.61%-6.11%+288 bps
Share Growth (YoY)-0.02%-0.17%0.04%1.76%1.84%-0.38%-1.02%-1.62%-339 bps
Asset Quality
Delinquent Loans / Loans0.30%0.40%0.31%0.60%0.81%0.94%0.60%0.85%+26 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital7.79%7.80%7.59%7.73%7.88%7.93%7.86%8.06%+33 bps
Net Worth / Assets7.79%7.80%7.59%7.73%7.88%7.93%7.86%8.06%+33 bps
Liquidity & Funding
Loans / Shares68.67%65.21%63.92%63.15%64.73%62.23%62.25%60.27%-288 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps