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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.74% | 0.77% | 0.78% | 0.82% | 0.83% | +9 bps | |
| Return on Equity | 8.15% | 8.42% | 8.50% | 8.92% | 9.08% | +92 bps | |
| Net Interest Margin | 2.72% | 2.71% | 2.61% | 2.75% | 2.73% | +1 bps | |
| Efficiency Ratio | 75.44% | 74.01% | 74.09% | 72.04% | 71.55% | -389 bps | |
| Non-Interest Burden | 1.89% | 1.84% | 1.77% | 1.81% | 1.78% | -11 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.08% | 3.22% | 7.98% | 10.10% | 11.61% | +1,053 bps | |
| Loan Growth (YoY) | 9.57% | 6.27% | 5.48% | 6.88% | 8.14% | -143 bps | |
| Deposit Growth (YoY) | 0.72% | 4.02% | 6.49% | 9.15% | 5.12% | +440 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.71% | 0.56% | 0.26% | 0.33% | 0.37% | -34 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | 0.04% | 0.01% | 0.00% | +2 bps | |
| Allowance / Loans | 0.62% | 0.61% | 0.52% | 0.51% | 0.52% | -10 bps | |
| Allowance Coverage of NPLs | 0.9x | 1.1x | 2.0x | 1.6x | 1.4x | +0.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.48% | 11.39% | 10.90% | 10.93% | 10.71% | -77 bps | |
| Total Risk-Based Capital | 11.48% | 11.39% | 10.90% | 10.93% | 10.71% | -77 bps | |
| Equity / Assets | 9.22% | 9.47% | 9.21% | 9.29% | 8.93% | -28 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 47.98% | 46.53% | 46.32% | 47.35% | 49.35% | +137 bps | |
| Liquid Assets / Assets | 30.54% | 29.02% | 30.73% | 30.00% | 26.17% | -436 bps | |
| CRE / Total Capital | n/a | 190.56% | 185.25% | 177.80% | n/a | n/a | |