Grundy, VA · Cert 19011 · GNB Bankshares Corp.
State charter, Fed member · FED · 4 branches
Q2 2026
Market Position · Kingsport-Bristol, TN-VA · 2026 SOD (annual) · 0.4% share · #21 of 24 inst. · $0.0B of $5.9B
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 | 0.59% | 0.72% | 0.90% | 0.90% | 0.85% | 0.88% | 0.91% | 0.79% | -11 bps | |
| Return on Equity | 3.37% | 4.19% | 5.17% | 5.21% | 4.86% | 5.00% | 5.15% | 4.40% | -81 bps | |
| Net Interest Margin | 2.54% | 2.62% | 3.04% | 2.82% | 2.81% | 2.98% | 2.80% | 2.96% | +15 bps | |
| Efficiency Ratio | 75.46% | 70.36% | 66.29% | 63.99% | 65.71% | 65.17% | 66.87% | 66.23% | +224 bps | |
| Non-Interest Burden | 1.89% | 1.81% | 1.98% | 1.75% | 1.81% | 1.91% | 1.73% | 1.93% | +18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.59% | 4.68% | 4.58% | 9.89% | 6.70% | 7.74% | 5.68% | 0.69% | -920 bps | |
| Loan Growth (YoY) | 25.38% | 23.57% | 14.33% | 9.90% | 5.72% | 15.64% | 12.19% | 12.84% | +293 bps | |
| Deposit Growth (YoY) | 4.12% | 4.06% | 4.82% | 14.71% | 8.50% | 5.21% | 4.62% | -5.45% | -2,015 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.65% | 0.91% | 0.93% | 0.93% | 1.75% | 1.70% | 1.80% | 1.78% | +85 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.02% | 0.03% | 0.09% | 0.20% | 0.17% | 0.16% | +13 bps | |
| Allowance / Loans | 1.47% | 1.43% | 1.42% | 1.39% | 1.35% | 1.13% | 1.13% | 1.11% | -28 bps | |
| Allowance Coverage of NPLs | 2.2x | 1.6x | 1.5x | 1.5x | 0.8x | 0.7x | 0.6x | 0.6x | -0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 21.78% | 21.23% | 21.40% | 21.32% | 20.69% | 20.28% | 20.49% | 20.64% | -69 bps | |
| Total Risk-Based Capital | 31.81% | 31.04% | 31.47% | 31.35% | 30.86% | 28.11% | 28.90% | 28.81% | -254 bps | |
| Equity / Assets | 17.36% | 17.20% | 17.55% | 17.09% | 17.78% | 17.31% | 17.84% | 18.07% | +99 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.77% | 74.89% | 73.63% | 70.22% | 71.88% | 82.32% | 78.96% | 83.79% | +1,358 bps | |
| Liquid Assets / Assets | 1.66% | 0.53% | 1.39% | 5.64% | 5.65% | 0.51% | 0.60% | 0.35% | -529 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 177.12% | 206% | 189.53% | n/a | n/a | |