Atlanta, GA · Cert 26342 · Royal Bank of Canada
National charter · OCC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
82
Asset Quality
33
Profitability
85
Liquidity
0
Efficiency
99
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Atlanta, GA · Cert 26342 · Royal Bank of Canada
National charter · OCC · 1 affiliate bank · 1 branch (67 in holding)
Q2 2026
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 3.3% share · #7 of 81 inst. · $8.5B of $255.1B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.30% | 2.35% | 2.37% | 2.44% | 2.45% | 2.48% | 2.30% | 2.47% | +3 bps | |
| Return on Equity | 22.30% | 22.65% | 21.80% | 21.79% | 21.98% | 22.30% | 21.57% | 23.77% | +198 bps | |
| Net Interest Margin | 3.72% | 3.73% | 4.04% | 4.04% | 3.90% | 3.70% | 3.86% | 3.70% | -34 bps | |
| Efficiency Ratio | 32.92% | 31.59% | 32.81% | 31.58% | 30.88% | 29.58% | 30.90% | 27.22% | -436 bps | |
| Non-Interest Burden | 0.69% | 0.65% | 0.74% | 0.73% | 0.70% | 0.62% | 0.74% | 0.59% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.13% | 5.55% | 5.85% | 6.27% | 10.52% | 19.08% | 27.80% | 39.74% | +3,346 bps | |
| Loan Growth (YoY) | 5.60% | 4.92% | 3.79% | 2.60% | 1.13% | 8.63% | 18.94% | 54.72% | +5,212 bps | |
| Deposit Growth (YoY) | 4.10% | 4.27% | 4.69% | 5.34% | 10.24% | 18.45% | 28.86% | 42.71% | +3,737 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.52% | 0.61% | 0.67% | 0.69% | 0.68% | 0.66% | 0.61% | 0.41% | -28 bps | |
| Net Charge-Offs / Loans | 0.35% | 0.33% | 0.40% | 0.42% | 0.41% | 0.39% | 0.38% | 0.28% | -14 bps | |
| Allowance / Loans | 0.79% | 0.79% | 0.81% | 0.81% | 0.84% | 0.74% | 0.69% | 0.52% | -29 bps | |
| Allowance Coverage of NPLs | 1.5x | 1.3x | 1.2x | 1.2x | 1.2x | 1.1x | 1.1x | 1.3x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.43% | 10.83% | 11.37% | 11.82% | 11.35% | 11.14% | 10.81% | 10.42% | -140 bps | |
| Total Risk-Based Capital | 34.77% | 35.89% | 38.03% | 41.38% | 41.60% | 42.14% | 45.00% | 49.16% | +777 bps | |
| Equity / Assets | 10.18% | 10.63% | 11.14% | 11.81% | 11.07% | 10.96% | 10.37% | 9.97% | -183 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 47.96% | 48.65% | 48.11% | 47.40% | 43.99% | 44.62% | 44.41% | 51.39% | +399 bps | |
| Liquid Assets / Assets | 3.28% | 3.96% | 3.41% | 3.05% | 3.12% | 4.88% | 3.58% | 3.16% | +11 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |
Atlanta, GA · Cert 26342 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Royal Bank of Canada
National charter · OCC · 1 affiliate bank · 1 branch (67 in holding)
Q2 2026
Return on Assets
2.27%
Rank 14 of 258
Net Interest Margin
3.70%
Rank 89 of 258
Efficiency Ratio
27.81%
Rank 3 of 257
Equity / Assets
9.97%
Rank 141 of 258
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.27% | 0.93% | 1.23% | 1.54% | Beats 95% | 14 / 258 | ||
| Return on Equity | 22.77% | 9.26% | 11.84% | 14.74% | Beats 95% | 12 / 258 | ||
| Net Interest Margin | 3.70% | 3.16% | 3.49% | 3.88% | Beats 66% | 89 / 258 | ||
| Efficiency Ratio | 27.81% | 51.71% | 60.30% | 69.65% | Beats 99% | 3 / 257 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.41% | 0.19% | 0.46% | 0.90% | Beats 54% | 119 / 258 | ||
| Net Charge-Offs / Loans | 0.16% | 0.01% | 0.02% | 0.07% | Beats 12% | 229 / 258 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 48.11% | 11.41% | 12.98% | 15.12% | Beats 100% | 1 / 258 | ||
| Total Risk-Based Capital Ratio | 49.16% | 12.10% | 13.91% | 16.08% | Beats 100% | 1 / 258 | ||
| Equity / Assets | 9.97% | 9.09% | 10.24% | 11.72% | Beats 45% | 141 / 258 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 51.39% | 73.24% | 86.34% | 95.95% | 4th pctl | 248 / 258 | ||
| Loans / Assets | 45.72% | 63.01% | 72.27% | 78.40% | 5th pctl | 246 / 258 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||