Chatsworth, GA · Cert 22092 · First Chatsworth Bankshares
National charter · OCC · 11 branches
Q2 2026
Market Position · Dalton, GA · 2026 SOD (annual) · 8.8% share · #6 of 10 inst. · $0.3B of $3.2B
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 | 1.82% | 1.49% | 2.11% | 1.87% | 1.94% | +12 bps | |
| Return on Equity | 14.02% | 11.58% | 15.86% | 13.77% | 14.65% | +63 bps | |
| Net Interest Margin | 4.85% | 5.11% | 4.86% | 4.70% | 4.79% | -6 bps | |
| Efficiency Ratio | 50.71% | 45.42% | 46.88% | 48.60% | 48.20% | -251 bps | |
| Non-Interest Burden | 2.23% | 2.04% | 2.03% | 2.06% | 2.07% | -17 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.75% | 13.64% | 8.19% | 6.31% | 7.94% | +19 bps | |
| Loan Growth (YoY) | 10.22% | 5.26% | -0.57% | 0.80% | 2.32% | -790 bps | |
| Deposit Growth (YoY) | 7.11% | 14.35% | 7.89% | 5.72% | 7.85% | +74 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.11% | 0.50% | 0.54% | 0.46% | 0.43% | -68 bps | |
| Net Charge-Offs / Loans | 0.02% | 1.61% | -0.01% | -0.01% | -0.01% | -3 bps | |
| Allowance / Loans | 1.25% | 1.25% | 1.34% | 1.32% | 1.31% | +7 bps | |
| Allowance Coverage of NPLs | 1.1x | 2.5x | 2.5x | 2.9x | 3.1x | +1.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.94% | 12.88% | 13.06% | 13.50% | 12.92% | -1 bps | |
| Total Risk-Based Capital | 12.94% | 12.88% | 13.06% | 13.50% | 12.92% | -1 bps | |
| Equity / Assets | 12.81% | 12.99% | 13.56% | 13.57% | 12.92% | +11 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.14% | 83.15% | 82.03% | 83.40% | 82.67% | -447 bps | |
| Liquid Assets / Assets | 17.23% | 21.12% | 22.57% | 21.65% | 22.26% | +502 bps | |
| CRE / Total Capital | n/a | 398% | 371% | 367% | n/a | n/a | |