Sandersville, GA · Cert 19420
State charter, non-member · FDIC · 3 branches
Q2 2026
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 | 1.43% | 1.70% | 1.29% | 1.52% | 1.65% | 1.95% | 1.52% | 1.62% | +10 bps | |
| Return on Equity | 11.24% | 13.44% | 10.32% | 12.10% | 13.14% | 15.29% | 12.21% | 13.44% | +134 bps | |
| Net Interest Margin | 4.65% | 4.73% | 4.73% | 4.97% | 4.90% | 4.91% | 4.82% | 4.58% | -40 bps | |
| Efficiency Ratio | 63.27% | 57.09% | 63.89% | 61.04% | 58.06% | 54.70% | 58.97% | 57.19% | -384 bps | |
| Non-Interest Burden | 2.79% | 2.52% | 2.88% | 2.88% | 2.68% | 2.35% | 2.67% | 2.46% | -42 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.54% | 9.22% | 5.66% | 10.78% | 13.12% | 6.77% | 16.11% | 14.24% | +345 bps | |
| Loan Growth (YoY) | 10.68% | 7.62% | 8.79% | 11.72% | 13.59% | 14.73% | 15.80% | 14.60% | +288 bps | |
| Deposit Growth (YoY) | 4.62% | 9.02% | 5.08% | 8.91% | 11.65% | 4.55% | 15.38% | 16.86% | +795 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.18% | 0.24% | 0.23% | 0.20% | 0.23% | 0.20% | 0.40% | 0.45% | +25 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.09% | 0.06% | 0.02% | 0.03% | 0.04% | 0.03% | 0.05% | +3 bps | |
| Allowance / Loans | 1.37% | 1.41% | 1.36% | 1.31% | 1.25% | 1.30% | 1.26% | 1.23% | -9 bps | |
| Allowance Coverage of NPLs | 7.5x | 5.9x | 5.9x | 6.5x | 5.4x | 6.5x | 3.1x | 2.7x | -3.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.83% | 12.82% | 12.90% | 12.89% | 12.67% | 12.87% | 12.58% | 11.94% | -95 bps | |
| Total Risk-Based Capital | 20.18% | 20.23% | 19.41% | 19.38% | 19.34% | 19.64% | 18.56% | 18.84% | -54 bps | |
| Equity / Assets | 12.77% | 12.55% | 12.48% | 12.65% | 12.46% | 13.04% | 11.84% | 12.24% | -41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.35% | 83.41% | 85.87% | 89.63% | 88.86% | 91.53% | 86.18% | 87.89% | -174 bps | |
| Liquid Assets / Assets | 7.37% | 9.89% | 8.49% | 7.56% | 8.81% | 7.97% | 11.37% | 7.83% | +27 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 240% | 239% | 270% | n/a | n/a | |