Sandersville, GA · Cert 2154 · GDW Bankshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
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 | 1.21% | 1.12% | 1.16% | 1.20% | 1.15% | 1.44% | 1.21% | 0.97% | -23 bps | |
| Return on Equity | 11.99% | 10.54% | 10.63% | 10.72% | 9.78% | 11.67% | 9.88% | 7.89% | -283 bps | |
| Net Interest Margin | 5.05% | 5.14% | 5.04% | 5.30% | 5.27% | 5.56% | 5.22% | 5.24% | -6 bps | |
| Efficiency Ratio | 73.34% | 76.21% | 73.23% | 72.53% | 73.56% | 71.53% | 73.43% | 77.82% | +528 bps | |
| Non-Interest Burden | 3.57% | 3.79% | 3.50% | 3.69% | 3.72% | 3.79% | 3.66% | 3.93% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.14% | -7.04% | -10.35% | -4.58% | -6.10% | -3.36% | 1.67% | -5.39% | -81 bps | |
| Loan Growth (YoY) | -6.20% | -6.02% | -4.37% | -1.38% | 0.41% | 2.30% | -4.08% | -5.15% | -376 bps | |
| Deposit Growth (YoY) | -2.35% | -8.85% | -13.04% | -6.69% | -7.96% | -5.32% | 1.07% | -6.70% | -1 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.41% | 1.30% | 1.30% | 1.29% | 1.40% | 1.16% | 1.38% | 1.27% | -2 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.09% | -0.01% | 0.16% | 0.15% | 0.07% | 0.39% | +40 bps | |
| Allowance / Loans | 1.41% | 1.41% | 1.41% | 1.43% | 1.46% | 1.40% | 1.50% | 1.42% | -1 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.1x | 1.1x | 1.1x | 1.0x | 1.2x | 1.1x | 1.1x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.88% | 11.38% | 11.47% | 11.95% | 12.41% | 12.67% | 12.34% | 13.01% | +106 bps | |
| Total Risk-Based Capital | 20.74% | 21.32% | 21.26% | 21.51% | 22.63% | 22.54% | 23.27% | 23.99% | +248 bps | |
| Equity / Assets | 10.43% | 10.86% | 10.98% | 11.39% | 12.07% | 12.64% | 11.81% | 12.92% | +153 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 58.94% | 61.76% | 62.39% | 64.71% | 64.30% | 66.72% | 59.21% | 65.79% | +108 bps | |
| Liquid Assets / Assets | 11.83% | 10.96% | 12.52% | 10.65% | 9.04% | 7.06% | 13.55% | 8.42% | -223 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 77.20% | 78.84% | 71.82% | n/a | n/a | |