PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Flint River Employees

Oglethorpe, GA · Charter 23908

NCUA · 1 branch

Q2 2026

$1.7MAssets
$1.1MLoans
$1.1MShares
$654KNet Worth

Executive Summary

  • Earnings: ROA of 0.83%, up 271 bps year over year; NIM at 6.97%.
  • Asset quality: problem loans at 0.22% of loans (-6 bps YoY).
  • Capital: net worth / assets of 38.06%, down 4 bps from a year ago.
  • Funding: loans stand at 106.47% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.83%+271 bps YoY

Net Interest Margin (YTD, annualized)

6.97%-39 bps YoY

Efficiency Ratio (YTD, annualized)

112.41%+2,543 bps YoY

Net Worth / Assets

38.06%-4 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets5.59%0.33%-2.42%-1.88%-0.41%-0.08%0.15%0.83%+271 bps
Return on Equity17.70%0.85%-6.61%-4.95%-1.11%-0.20%0.41%2.18%+712 bps
Net Interest Margin13.32%7.34%7.33%7.36%7.07%7.25%7.07%6.97%-39 bps
Efficiency Ratio33.28%63.70%72.12%86.98%80.75%82.27%144.61%112.41%+2,543 bps
Growth
Asset Growth (YoY)-3.71%4.50%0.27%2.00%3.83%0.29%2.01%3.97%+196 bps
Loan Growth (YoY)12.40%13.07%9.22%11.44%10.77%0.19%-2.64%-7.73%-1,916 bps
Share Growth (YoY)3.05%7.27%0.57%2.11%-3.51%-5.54%0.45%3.19%+108 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.37%0.28%0.40%0.17%0.11%0.22%-6 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.16%1.09%2.94%3.04%4.22%4.40%3.68%3.86%+82 bps
Capital
Risk-Based Capital31.61%38.51%36.69%38.09%36.62%38.32%36.91%38.06%-4 bps
Net Worth / Assets31.61%38.51%36.69%38.09%36.62%38.32%36.91%38.06%-4 bps
Liquidity & Funding
Loans / Shares103.05%124.39%109.71%119.06%118.31%131.95%106.33%106.47%-1,259 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps