Graceville, FL · Cert 21692 · PBG Financial Services 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.63% | 0.66% | 0.84% | 0.76% | 0.84% | +21 bps | |
| Return on Equity | 9.95% | 10.16% | 12.45% | 10.98% | 11.69% | +174 bps | |
| Net Interest Margin | 2.20% | 2.29% | 2.44% | 2.31% | 2.42% | +22 bps | |
| Efficiency Ratio | 68.45% | 65.41% | 62.09% | 63.96% | 62.09% | -636 bps | |
| Non-Interest Burden | 1.41% | 1.39% | 1.41% | 1.37% | 1.39% | -3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.74% | 1.81% | -0.77% | 3.98% | 4.29% | +1,003 bps | |
| Loan Growth (YoY) | -2.04% | 5.09% | 1.90% | 0.75% | 7.61% | +965 bps | |
| Deposit Growth (YoY) | -7.23% | 0.83% | -1.89% | 5.56% | 3.31% | +1,054 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.35% | 0.34% | +34 bps | |
| Net Charge-Offs / Loans | 0.02% | -0.02% | -0.01% | 0.03% | 0.01% | -1 bps | |
| Allowance / Loans | 0.95% | 0.92% | 0.94% | 0.92% | 0.89% | -7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 2.6x | 2.6x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.68% | 10.69% | 10.09% | 10.21% | 10.29% | -39 bps | |
| Total Risk-Based Capital | 32.43% | 30.99% | 30.66% | 30.39% | 31.22% | -120 bps | |
| Equity / Assets | 6.51% | 6.57% | 6.94% | 6.93% | 7.41% | +90 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 38.49% | 37.44% | 38.90% | 37.79% | 40.09% | +160 bps | |
| Liquid Assets / Assets | 48.46% | 47.40% | 45.82% | 47.15% | 44.10% | -436 bps | |
| CRE / Total Capital | n/a | 49.50% | 52.19% | 54.02% | n/a | n/a | |