Louisville, GA · Cert 2138 · Queensborough Co. the
National charter · OCC · 25 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 $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
29
Asset Quality
42
Profitability
55
Liquidity
19
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.
Louisville, GA · Cert 2138 · Queensborough Co. the
National charter · OCC · 25 branches
Q2 2026
Market Position · Augusta-Richmond County, GA-SC · 2026 SOD (annual) · 10.3% share · #3 of 25 inst. · $1.3B of $12.9B
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 | 0.81% | 0.84% | 0.99% | 1.01% | 1.06% | 1.05% | 1.06% | 1.09% | +8 bps | |
| Return on Equity | 10.54% | 11.01% | 12.75% | 12.67% | 12.92% | 12.86% | 13.24% | 13.71% | +104 bps | |
| Net Interest Margin | 3.05% | 3.03% | 3.24% | 3.41% | 3.45% | 3.43% | 3.59% | 3.59% | +18 bps | |
| Efficiency Ratio | 70.82% | 69.78% | 65.10% | 65.15% | 64.32% | 64.98% | 65.81% | 65.12% | -2 bps | |
| Non-Interest Burden | 1.94% | 1.90% | 1.84% | 1.97% | 1.93% | 1.96% | 2.09% | 2.06% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.84% | 3.47% | 2.89% | 5.33% | 6.90% | 3.17% | 7.67% | 5.68% | +35 bps | |
| Loan Growth (YoY) | 3.50% | 2.61% | 4.73% | 9.31% | 8.52% | 9.94% | 11.83% | 10.36% | +104 bps | |
| Deposit Growth (YoY) | 5.16% | 5.89% | 4.94% | 6.10% | 4.69% | 1.06% | 6.50% | 6.24% | +14 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.74% | 0.92% | 0.89% | 0.71% | 0.42% | 0.58% | 0.44% | 0.59% | -12 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.03% | 0.05% | 0.12% | 0.09% | 0.09% | 0.06% | 0.04% | -8 bps | |
| Allowance / Loans | 0.95% | 0.95% | 0.96% | 0.92% | 0.97% | 0.97% | 0.98% | 1.00% | +8 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.0x | 1.1x | 1.3x | 2.3x | 1.7x | 2.2x | 1.7x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.32% | 9.15% | 9.22% | 9.52% | 9.71% | 9.13% | 9.12% | 8.64% | -88 bps | |
| Total Risk-Based Capital | 14.92% | 14.43% | 14.71% | 14.49% | 14.82% | 14.01% | 14.16% | 13.35% | -114 bps | |
| Equity / Assets | 8.29% | 7.65% | 7.95% | 8.37% | 8.77% | 8.22% | 7.87% | 7.88% | -50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.26% | 61.34% | 61.08% | 65.77% | 66.60% | 66.73% | 64.14% | 68.32% | +255 bps | |
| Liquid Assets / Assets | 21.87% | 20.67% | 20.84% | 16.09% | 16.50% | 16.42% | 17.85% | 15.42% | -67 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 320% | 340% | 335% | n/a | n/a | |
Louisville, GA · Cert 2138 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Queensborough Co. the
National charter · OCC · 25 branches
Q2 2026
Return on Assets
1.09%
Rank 157 of 258
Net Interest Margin
3.59%
Rank 109 of 258
Efficiency Ratio
65.31%
Rank 173 of 257
Equity / Assets
7.88%
Rank 239 of 258
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.09% | 0.93% | 1.23% | 1.54% | Beats 39% | 157 / 258 | ||
| Return on Equity | 13.88% | 9.26% | 11.84% | 14.74% | Beats 67% | 85 / 258 | ||
| Net Interest Margin | 3.59% | 3.16% | 3.49% | 3.88% | Beats 58% | 109 / 258 | ||
| Efficiency Ratio | 65.31% | 51.71% | 60.30% | 69.65% | Beats 33% | 173 / 257 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.59% | 0.19% | 0.46% | 0.90% | Beats 35% | 168 / 258 | ||
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.02% | 0.07% | Beats 48% | 134 / 258 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.36% | 11.41% | 12.98% | 15.12% | Beats 39% | 158 / 258 | ||
| Total Risk-Based Capital Ratio | 13.35% | 12.10% | 13.91% | 16.08% | Beats 42% | 149 / 258 | ||
| Equity / Assets | 7.88% | 9.09% | 10.24% | 11.72% | Beats 7% | 239 / 258 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 68.32% | 73.24% | 86.34% | 95.95% | 17th pctl | 214 / 258 | ||
| Loans / Assets | 61.50% | 63.01% | 72.27% | 78.40% | 22nd pctl | 202 / 258 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||