Wrens, GA · Cert 19163 · Csra Bank Corp.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Augusta-Richmond County, GA-SC · 2026 SOD (annual) · 1.1% share · #15 of 25 inst. · $0.1B of $12.9B
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 | 1.35% | 1.31% | 1.66% | 1.69% | 1.76% | 1.65% | 1.78% | 1.84% | +14 bps | |
| Return on Equity | 19.05% | 18.42% | 22.30% | 22.16% | 22.39% | 20.65% | 20.72% | 20.61% | -155 bps | |
| Net Interest Margin | 3.34% | 3.30% | 3.93% | 3.97% | 3.91% | 3.90% | 4.11% | 4.23% | +26 bps | |
| Efficiency Ratio | 50.00% | 50.29% | 47.66% | 46.74% | 45.44% | 45.72% | 44.88% | 44.90% | -184 bps | |
| Non-Interest Burden | 1.51% | 1.51% | 1.70% | 1.67% | 1.59% | 1.61% | 1.65% | 1.71% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.36% | 9.88% | 8.72% | 8.26% | 5.78% | 11.32% | 9.76% | 6.48% | -178 bps | |
| Loan Growth (YoY) | 13.28% | 11.12% | 12.93% | 12.67% | 15.83% | 14.33% | 10.74% | 4.89% | -778 bps | |
| Deposit Growth (YoY) | 16.79% | 10.59% | 9.38% | 4.58% | 3.55% | 9.35% | 7.80% | 7.37% | +278 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.10% | 0.13% | 0.18% | 0.22% | 0.19% | 0.17% | 0.31% | 0.32% | +10 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.03% | 0.02% | 0.01% | 0.01% | 0.03% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.08% | 1.20% | 1.18% | 1.16% | 1.15% | 1.32% | 1.33% | 1.36% | +20 bps | |
| Allowance Coverage of NPLs | 10.6x | 9.2x | 6.6x | 5.2x | 6.2x | 7.5x | 4.3x | 4.3x | -0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.95% | 8.71% | 9.23% | 9.53% | 9.60% | 9.53% | 9.83% | 10.53% | +100 bps | |
| Total Risk-Based Capital | 12.64% | 12.64% | 12.73% | 12.74% | 13.27% | 13.53% | 9.83% | 10.53% | -221 bps | |
| Equity / Assets | 7.42% | 7.21% | 7.71% | 7.99% | 8.42% | 8.42% | 8.79% | 9.52% | +153 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.03% | 88.51% | 91.82% | 96.98% | 96.23% | 92.54% | 94.33% | 94.74% | -224 bps | |
| Liquid Assets / Assets | 5.57% | 2.82% | 2.06% | 0.33% | 1.54% | 4.33% | 3.85% | 4.11% | +379 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 312% | 319% | 318% | n/a | n/a | |