Black Mountain, NC · Cert 27897
SI · FDIC · 1 branch
Q2 2026
Market Position · Asheville, NC · 2026 SOD (annual) · 0.4% share · #16 of 24 inst. · $0.0B of $10.3B
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 | -0.34% | -0.51% | 0.62% | -0.23% | -0.19% | +15 bps | |
| Return on Equity | -2.87% | -4.30% | 5.15% | -1.87% | -1.56% | +130 bps | |
| Net Interest Margin | 1.92% | 1.93% | 1.83% | 1.77% | 2.01% | +9 bps | |
| Efficiency Ratio | 117.13% | 126.07% | 83.02% | 112.24% | 109.05% | -808 bps | |
| Non-Interest Burden | 2.26% | 2.45% | 1.32% | 1.99% | 2.20% | -6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.09% | -4.18% | -3.28% | -1.35% | -1.53% | +156 bps | |
| Loan Growth (YoY) | -5.46% | -6.34% | -3.81% | -3.88% | 0.18% | +564 bps | |
| Deposit Growth (YoY) | -4.60% | -5.80% | -3.01% | 0.91% | 0.95% | +555 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.22% | 0.22% | 0.23% | 0.23% | 0.22% | 0 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.86% | 11.99% | 12.22% | 12.05% | 11.99% | +13 bps | |
| Total Risk-Based Capital | 11.86% | 11.99% | 12.22% | 12.05% | 11.99% | +13 bps | |
| Equity / Assets | 11.78% | 12.01% | 12.17% | 12.01% | 11.89% | +10 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 75.44% | 76.54% | 75.38% | 73.47% | 74.86% | -58 bps | |
| Liquid Assets / Assets | 31.68% | 30.89% | 31.51% | 32.89% | 30.34% | -133 bps | |
| CRE / Total Capital | n/a | 19.49% | 19.09% | 12.61% | n/a | n/a | |