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 (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 | 2.20% | 2.18% | 2.35% | 2.24% | 2.32% | 1.95% | 2.34% | 2.33% | +9 bps | |
| Return on Equity | 12.77% | 12.79% | 13.96% | 12.91% | 12.85% | 10.58% | 12.54% | 12.18% | -73 bps | |
| Net Interest Margin | 4.90% | 4.65% | 4.46% | 4.85% | 4.92% | 4.86% | 4.68% | 4.89% | +4 bps | |
| Efficiency Ratio | 46.28% | 49.86% | 47.06% | 47.13% | 46.30% | 51.22% | 46.88% | 47.10% | -2 bps | |
| Non-Interest Burden | 1.76% | 1.61% | 1.61% | 1.81% | 1.72% | 1.93% | 1.71% | 1.81% | 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 | -0.03% | 0.34% | -0.09% | 0.00% | 0.24% | 0.14% | 0.07% | 0.03% | +2 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 | |