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 (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 | 0.72% | 0.45% | 0.74% | 0.75% | 0.84% | 0.81% | 0.82% | 0.84% | +9 bps | |
| Return on Equity | 8.27% | 5.04% | 8.21% | 8.04% | 9.01% | 8.63% | 8.92% | 9.23% | +119 bps | |
| Net Interest Margin | 2.62% | 2.81% | 2.69% | 2.74% | 2.82% | 2.72% | 2.75% | 2.78% | +4 bps | |
| Efficiency Ratio | 79.31% | 76.94% | 74.57% | 76.30% | 71.27% | 74.33% | 72.04% | 71.08% | -522 bps | |
| Non-Interest Burden | 1.97% | 2.01% | 1.84% | 1.93% | 1.83% | 1.87% | 1.81% | 1.80% | -13 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 | 0.01% | 0.00% | -0.03% | 0.01% | 0.00% | 0.18% | 0.01% | 0.00% | -1 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 | |