Pembroke, NC · Cert 20568
State charter, non-member · FDIC · 14 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 in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
19
Asset Quality
61
Profitability
27
Liquidity
9
Efficiency
33
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.
Pembroke, NC · Cert 20568
State charter, non-member · FDIC · 14 branches
Q2 2026
Market Position · Fayetteville, NC · 2026 SOD (annual) · 0.9% share · #12 of 14 inst. · $0.0B of $5.0B
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 | 0.84% | 0.74% | 0.74% | 0.74% | 0.77% | 0.78% | 0.82% | 0.83% | +9 bps | |
| Return on Equity | 9.94% | 8.74% | 8.21% | 8.15% | 8.42% | 8.50% | 8.92% | 9.08% | +92 bps | |
| Net Interest Margin | 2.59% | 2.66% | 2.69% | 2.72% | 2.71% | 2.61% | 2.75% | 2.73% | +1 bps | |
| Efficiency Ratio | 73.17% | 74.16% | 74.57% | 75.44% | 74.01% | 74.09% | 72.04% | 71.55% | -389 bps | |
| Non-Interest Burden | 1.73% | 1.81% | 1.84% | 1.89% | 1.84% | 1.77% | 1.81% | 1.78% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.18% | 0.05% | -1.08% | 1.08% | 3.22% | 7.98% | 10.10% | 11.61% | +1,053 bps | |
| Loan Growth (YoY) | 10.33% | 11.20% | 11.54% | 9.57% | 6.27% | 5.48% | 6.88% | 8.14% | -143 bps | |
| Deposit Growth (YoY) | 4.26% | -0.07% | -1.48% | 0.72% | 4.02% | 6.49% | 9.15% | 5.12% | +440 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.34% | 0.37% | 0.85% | 0.71% | 0.56% | 0.26% | 0.33% | 0.37% | -34 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.03% | -0.01% | -0.01% | 0.04% | 0.01% | 0.00% | +2 bps | |
| Allowance / Loans | 0.73% | 0.65% | 0.67% | 0.62% | 0.61% | 0.52% | 0.51% | 0.52% | -10 bps | |
| Allowance Coverage of NPLs | 2.1x | 1.8x | 0.8x | 0.9x | 1.1x | 2.0x | 1.6x | 1.4x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.03% | 11.12% | 11.36% | 11.48% | 11.39% | 10.90% | 10.93% | 10.71% | -77 bps | |
| Total Risk-Based Capital | 11.03% | 11.12% | 11.36% | 11.48% | 11.39% | 10.90% | 10.93% | 10.71% | -77 bps | |
| Equity / Assets | 9.10% | 8.68% | 9.42% | 9.22% | 9.47% | 9.21% | 9.29% | 8.93% | -28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 45.55% | 46.76% | 48.36% | 47.98% | 46.53% | 46.32% | 47.35% | 49.35% | +137 bps | |
| Liquid Assets / Assets | 29.91% | 29.56% | 29.82% | 30.54% | 29.02% | 30.73% | 30.00% | 26.17% | -436 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 190.56% | 185.25% | 177.80% | n/a | n/a | |
Pembroke, NC · Cert 20568 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State charter, non-member · FDIC · 14 branches
Q2 2026
Return on Assets
0.81%
Rank 516 of 746
Net Interest Margin
2.73%
Rank 674 of 746
Efficiency Ratio
71.55%
Rank 500 of 746
Equity / Assets
8.93%
Rank 554 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.81% | 0.72% | 1.06% | 1.45% | Beats 31% | 516 / 746 | ||
| Return on Equity | 9.04% | 6.74% | 10.51% | 13.63% | Beats 40% | 445 / 746 | ||
| Net Interest Margin | 2.73% | 3.17% | 3.68% | 4.16% | Beats 10% | 674 / 746 | ||
| Efficiency Ratio | 71.55% | 55.74% | 64.58% | 75.47% | Beats 33% | 500 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.37% | 0.09% | 0.42% | 1.07% | Beats 54% | 340 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 68% | 242 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.71% | 11.55% | 13.75% | 17.60% | Beats 16% | 626 / 746 | ||
| Total Risk-Based Capital Ratio | 10.71% | 11.71% | 14.33% | 18.43% | Beats 15% | 635 / 746 | ||
| Equity / Assets | 8.93% | 8.90% | 10.51% | 13.06% | Beats 26% | 554 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 49.35% | 61.31% | 78.27% | 90.78% | 12th pctl | 653 / 746 | ||
| Loans / Assets | 41.48% | 53.60% | 66.97% | 76.08% | 11th pctl | 664 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||