Waynesboro, GA · Cert 2160 · First Burke Banking Co.
National charter · OCC · 2 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
96
Asset Quality
48
Profitability
84
Liquidity
75
Efficiency
91
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.
Waynesboro, GA · Cert 2160 · First Burke Banking Co.
National charter · OCC · 2 branches
Q2 2026
Market Position · Augusta-Richmond County, GA-SC · 2026 SOD (annual) · 1.4% share · #12 of 25 inst. · $0.2B 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 | 2.34% | 2.29% | 2.35% | 2.30% | 2.30% | 2.21% | 2.34% | 2.33% | +3 bps | |
| Return on Equity | 14.07% | 13.77% | 13.96% | 13.44% | 13.22% | 12.55% | 12.54% | 12.36% | -108 bps | |
| Net Interest Margin | 4.89% | 4.66% | 4.46% | 4.70% | 4.83% | 4.81% | 4.68% | 4.68% | -2 bps | |
| Efficiency Ratio | 45.80% | 46.88% | 47.06% | 47.09% | 46.82% | 47.95% | 46.88% | 47.00% | -10 bps | |
| Non-Interest Burden | 1.72% | 1.63% | 1.61% | 1.72% | 1.74% | 1.78% | 1.71% | 1.72% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.45% | 6.13% | 6.77% | 6.90% | 7.26% | 3.08% | 0.92% | 3.09% | -381 bps | |
| Loan Growth (YoY) | 12.05% | 10.11% | 6.27% | 7.61% | 6.40% | 6.85% | 7.74% | 8.13% | +52 bps | |
| Deposit Growth (YoY) | 3.32% | 5.28% | 5.81% | 5.96% | 6.29% | 0.86% | -1.46% | 1.06% | -490 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.40% | 0.15% | 0.18% | 0.23% | 0.11% | 0.23% | 0.17% | 0.20% | -3 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.13% | -0.09% | -0.04% | 0.05% | 0.08% | 0.07% | 0.05% | +9 bps | |
| Allowance / Loans | 1.35% | 1.32% | 1.39% | 1.38% | 1.31% | 1.33% | 1.34% | 1.32% | -6 bps | |
| Allowance Coverage of NPLs | 3.3x | 9.0x | 7.9x | 6.0x | 11.6x | 5.8x | 8.0x | 6.5x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 18.16% | 17.57% | 17.05% | 17.98% | 18.89% | 19.00% | 19.46% | 19.14% | +116 bps | |
| Total Risk-Based Capital | 31.70% | 32.59% | 34.18% | 34.12% | 34.41% | 35.14% | 35.92% | 35.65% | +153 bps | |
| Equity / Assets | 17.50% | 16.65% | 16.96% | 17.68% | 18.38% | 18.38% | 18.92% | 19.31% | +163 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.18% | 75.09% | 73.42% | 78.28% | 81.27% | 79.55% | 80.27% | 83.75% | +548 bps | |
| Liquid Assets / Assets | 16.79% | 22.37% | 23.69% | 20.80% | 18.91% | 20.68% | 20.37% | 18.19% | -260 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 38.07% | 36.30% | 35.80% | n/a | n/a | |
Waynesboro, GA · Cert 2160 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First Burke Banking Co.
National charter · OCC · 2 branches
Q2 2026
Return on Assets
2.32%
Rank 22 of 746
Net Interest Margin
4.68%
Rank 62 of 746
Efficiency Ratio
47.00%
Rank 71 of 746
Equity / Assets
19.31%
Rank 41 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.32% | 0.72% | 1.06% | 1.45% | Beats 97% | 22 / 746 | ||
| Return on Equity | 11.99% | 6.74% | 10.51% | 13.63% | Beats 63% | 277 / 746 | ||
| Net Interest Margin | 4.68% | 3.17% | 3.68% | 4.16% | Beats 92% | 62 / 746 | ||
| Efficiency Ratio | 47.00% | 55.74% | 64.58% | 75.47% | Beats 91% | 71 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.20% | 0.09% | 0.42% | 1.07% | Beats 66% | 253 / 743 | ||
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.01% | 0.05% | Beats 30% | 521 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 34.39% | 11.55% | 13.75% | 17.60% | Beats 96% | 27 / 746 | ||
| Total Risk-Based Capital Ratio | 35.65% | 11.71% | 14.33% | 18.43% | Beats 96% | 27 / 746 | ||
| Equity / Assets | 19.31% | 8.90% | 10.51% | 13.06% | Beats 95% | 41 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 83.75% | 61.31% | 78.27% | 90.78% | 62nd pctl | 285 / 746 | ||
| Loans / Assets | 66.79% | 53.60% | 66.97% | 76.08% | 49th pctl | 380 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||