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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.10% | 2.49% | 2.37% | 2.50% | 2.52% | 2.58% | 2.30% | 2.64% | +14 bps | |
| Return on Equity | 19.87% | 23.91% | 21.80% | 21.78% | 22.09% | 23.43% | 21.57% | 25.94% | +417 bps | |
| Net Interest Margin | 3.87% | 3.94% | 4.04% | 4.10% | 3.99% | 3.97% | 3.86% | 3.91% | -18 bps | |
| Efficiency Ratio | 39.14% | 27.90% | 32.81% | 30.35% | 29.48% | 26.01% | 30.90% | 23.85% | -650 bps | |
| Non-Interest Burden | 1.06% | 0.58% | 0.74% | 0.73% | 0.71% | 0.53% | 0.74% | 0.51% | -22 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 | 0.33% | 0.32% | 0.40% | 0.43% | 0.41% | 0.43% | 0.38% | 0.26% | -16 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 | |