Summerville, GA · Cert 19819 · Summerville Trion Bancshares
National charter · OCC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating regionally (n=94). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
54
Asset Quality
57
Profitability
26
Liquidity
0
Efficiency
24
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Summerville, GA · Cert 19819 · Summerville Trion Bancshares
National charter · OCC · 3 branches
Q2 2026
Market Position · Panama City-Panama City Beach, FL · 2026 SOD (annual) · 0.0% share · #19 of 19 inst. · $0.0B of $5.1B
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 | 0.18% | 0.53% | 3.51% | 2.00% | 1.59% | 1.20% | 0.88% | 0.80% | -121 bps | |
| Return on Equity | 1.52% | 4.34% | 28.04% | 16.10% | 12.76% | 9.66% | 7.48% | 6.81% | -928 bps | |
| Net Interest Margin | 2.80% | 2.87% | 2.86% | 3.08% | 3.21% | 3.22% | 3.53% | 3.63% | +55 bps | |
| Efficiency Ratio | 88.45% | 78.27% | 49.52% | 62.90% | 65.44% | 72.28% | 70.32% | 73.08% | +1,018 bps | |
| Non-Interest Burden | 2.42% | 2.10% | 0.26% | 1.51% | 1.81% | 2.15% | 2.45% | 2.62% | +112 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.61% | -2.62% | 9.51% | 12.32% | 9.35% | 15.82% | 8.52% | 9.54% | -278 bps | |
| Loan Growth (YoY) | 5.39% | 5.94% | -0.53% | 6.57% | 5.94% | 17.96% | 16.69% | -1.78% | -834 bps | |
| Deposit Growth (YoY) | 0.39% | -3.56% | 8.88% | 12.07% | 8.52% | 16.44% | 9.64% | 10.81% | -125 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.04% | 0.15% | 0.00% | 0.00% | 0.00% | 0.03% | 0.02% | 0.06% | +6 bps | |
| Net Charge-Offs / Loans | 0.33% | 0.26% | -6.56% | -3.01% | -1.95% | -1.40% | 0.19% | 0.10% | +311 bps | |
| Allowance / Loans | 1.74% | 1.87% | 1.87% | 1.73% | 1.70% | 1.64% | 1.61% | 1.78% | +5 bps | |
| Allowance Coverage of NPLs | 40.6x | 12.1x | n/a | n/a | n/a | 48.6x | 66.6x | 30.6x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.42% | 12.60% | 12.86% | 12.34% | 12.58% | 12.15% | 11.63% | 11.67% | -67 bps | |
| Total Risk-Based Capital | 12.42% | 12.60% | 12.86% | 12.34% | 12.58% | 12.15% | 11.63% | 11.67% | -67 bps | |
| Equity / Assets | 11.87% | 12.74% | 12.30% | 12.32% | 12.41% | 12.20% | 11.46% | 11.40% | -92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 33.82% | 33.27% | 30.02% | 32.36% | 33.02% | 33.70% | 31.95% | 28.68% | -368 bps | |
| Liquid Assets / Assets | 62.79% | 64.06% | 68.32% | 66.58% | 66.64% | 65.97% | 67.39% | 70.37% | +379 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 82.86% | 86.06% | 93.04% | n/a | n/a | |
Summerville, GA · Cert 19819 · Peer group: banks under $1B in assets operating regionally (n=94) · Summerville Trion Bancshares
National charter · OCC · 3 branches
Q2 2026
Return on Assets
0.77%
Rank 74 of 94
Net Interest Margin
3.63%
Rank 59 of 94
Efficiency Ratio
73.08%
Rank 72 of 94
Equity / Assets
11.40%
Rank 25 of 94
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.77% | 0.82% | 1.19% | 1.46% | Beats 21% | 74 / 94 | ||
| Return on Equity | 6.79% | 7.85% | 11.84% | 14.03% | Beats 21% | 74 / 94 | ||
| Net Interest Margin | 3.63% | 3.42% | 3.81% | 4.18% | Beats 37% | 59 / 94 | ||
| Efficiency Ratio | 73.08% | 55.99% | 62.41% | 73.02% | Beats 24% | 72 / 94 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.06% | 0.19% | 0.47% | 1.14% | Beats 88% | 12 / 94 | ||
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.02% | 0.05% | Beats 26% | 71 / 94 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.67% | 10.28% | 11.95% | 15.07% | Beats 46% | 51 / 94 | ||
| Total Risk-Based Capital Ratio | 11.67% | 10.31% | 12.59% | 15.88% | Beats 43% | 54 / 94 | ||
| Equity / Assets | 11.40% | 8.98% | 10.21% | 11.41% | Beats 73% | 25 / 94 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 28.68% | 72.62% | 84.44% | 94.55% | 1st pctl | 93 / 94 | ||
| Loans / Assets | 25.26% | 62.50% | 72.84% | 78.99% | 1st pctl | 93 / 94 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||