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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.55% | 0.78% | 0.08% | 0.88% | 0.71% | +15 bps | |
| Return on Equity | 4.49% | 6.31% | 0.65% | 7.48% | 6.18% | +169 bps | |
| Net Interest Margin | 3.44% | 3.44% | 3.60% | 3.53% | 3.77% | +33 bps | |
| Efficiency Ratio | 81.14% | 71.48% | 93.65% | 70.32% | 75.63% | -550 bps | |
| Non-Interest Burden | 2.77% | 2.42% | 3.36% | 2.45% | 2.83% | +6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.32% | 9.35% | 15.82% | 8.52% | 9.54% | -278 bps | |
| Loan Growth (YoY) | 6.57% | 5.94% | 17.96% | 16.69% | -1.78% | -834 bps | |
| Deposit Growth (YoY) | 12.07% | 8.52% | 16.44% | 9.64% | 10.81% | -125 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.03% | 0.02% | 0.06% | +6 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.19% | -0.02% | -2 bps | |
| Allowance / Loans | 1.73% | 1.70% | 1.64% | 1.61% | 1.78% | +5 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 48.6x | 66.6x | 30.6x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.34% | 12.58% | 12.15% | 11.63% | 11.67% | -67 bps | |
| Total Risk-Based Capital | 12.34% | 12.58% | 12.15% | 11.63% | 11.67% | -67 bps | |
| Equity / Assets | 12.32% | 12.41% | 12.20% | 11.46% | 11.40% | -92 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 32.36% | 33.02% | 33.70% | 31.95% | 28.68% | -368 bps | |
| Liquid Assets / Assets | 66.58% | 66.64% | 65.97% | 67.39% | 70.37% | +379 bps | |
| CRE / Total Capital | n/a | 82.86% | 86.06% | 93.04% | n/a | n/a | |