Lagrange, GA · Cert 25796
FDIC · 3 branches
Q1 2026
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 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | -0.27% | 0.65% | 0.02% | 0.39% | 1.13% | 1.73% | -6.88% | -690 bps | |
| Return on Equity | 6.09% | -5.13% | 12.31% | 0.41% | 7.95% | 22.61% | 33.17% | -191.50% | -19,190 bps | |
| Net Interest Margin | 5.62% | 5.52% | 4.75% | 4.67% | 3.29% | 3.41% | 3.69% | 1.99% | -267 bps | |
| Efficiency Ratio | 82.14% | 87.09% | 73.03% | 79.30% | 53.73% | 60.48% | 62.38% | 92.38% | +1,308 bps | |
| Non-Interest Burden | 4.04% | 4.35% | 2.01% | 2.69% | -3.15% | -1.27% | -1.01% | 1.31% | -138 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 60.36% | 65.40% | 59.43% | 59.13% | 75.71% | 56.27% | 33.04% | 23.92% | -3,521 bps | |
| Loan Growth (YoY) | 112.16% | 128.07% | 85.78% | 68.43% | 92.14% | 20.37% | 10.65% | 2.28% | -6,614 bps | |
| Deposit Growth (YoY) | 56.37% | 60.17% | 55.44% | 45.53% | 61.32% | 56.52% | 31.97% | 42.60% | -294 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 6.78% | 8.10% | 13.50% | 12.83% | 13.35% | 8.38% | 10.15% | 17.28% | +445 bps | |
| Net Charge-Offs / Loans | 1.37% | 1.13% | 1.85% | 2.63% | 2.39% | 4.91% | 5.29% | 6.29% | +366 bps | |
| Allowance / Loans | 5.49% | 5.71% | 4.39% | 3.96% | 4.70% | 4.60% | 2.46% | 4.21% | +25 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.7x | 0.3x | 0.3x | 0.4x | 0.5x | 0.2x | 0.2x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.80% | 8.23% | 8.04% | 7.33% | 5.59% | 5.49% | 6.70% | 0.16% | -717 bps | |
| Total Risk-Based Capital | 13.15% | 11.89% | 10.75% | 9.50% | 7.64% | 9.79% | 9.68% | 1.49% | -801 bps | |
| Equity / Assets | 5.86% | 5.79% | 5.08% | 5.36% | 4.37% | 5.30% | 5.91% | 1.31% | -406 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.23% | 89.91% | 84.89% | 92.70% | 101.51% | 69.14% | 71.17% | 66.50% | -2,621 bps | |
| Liquid Assets / Assets | 11.29% | 7.91% | 12.19% | 12.19% | 3.62% | 14.09% | 10.61% | 15.71% | +352 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | 504% | 446% | n/a | n/a | |