Belmont, NC · Cert 28035
SI · FDIC · 1 branch
Q2 2026
Market Position · Charlotte-Concord-Gastonia, NC-SC · 2026 SOD (annual) · 0.0% share · #34 of 47 inst. · $0.1B of $432.7B
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 | -0.25% | 0.17% | 0.13% | 0.24% | -0.02% | 0.41% | 0.45% | 0.46% | +22 bps | |
| Return on Equity | -1.81% | 1.21% | 0.99% | 1.79% | -0.15% | 3.22% | 3.61% | 3.78% | +200 bps | |
| Net Interest Margin | 1.96% | 2.15% | 2.12% | 2.31% | 2.45% | 2.43% | 2.50% | 2.62% | +31 bps | |
| Efficiency Ratio | 111.29% | 87.37% | 90.24% | 84.33% | 98.10% | 77.22% | 77.59% | 76.40% | -793 bps | |
| Non-Interest Burden | 2.19% | 1.87% | 1.90% | 1.94% | 2.41% | 1.87% | 1.93% | 1.99% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.30% | 11.43% | 8.59% | 6.35% | 8.45% | 13.04% | 11.46% | 15.84% | +949 bps | |
| Loan Growth (YoY) | 15.04% | 12.13% | 11.01% | 8.93% | 9.45% | 13.25% | 11.33% | 13.95% | +502 bps | |
| Deposit Growth (YoY) | 2.84% | 5.26% | 0.31% | 1.07% | 6.39% | 6.96% | 9.62% | 15.89% | +1,482 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.21% | 0.22% | 0.25% | 0.92% | 0.69% | 0.53% | 0.55% | 0.37% | -54 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.37% | 0.37% | 0.37% | 0.38% | 0.36% | 0.37% | 0.36% | 0.35% | -2 bps | |
| Allowance Coverage of NPLs | 1.7x | 1.7x | 1.5x | 0.4x | 0.5x | 0.7x | 0.6x | 1.0x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.61% | 14.64% | 14.18% | 14.31% | 14.70% | 13.49% | 12.94% | 12.88% | -142 bps | |
| Total Risk-Based Capital | 14.61% | 14.64% | 14.18% | 14.31% | 14.70% | 13.49% | 12.94% | 12.88% | -142 bps | |
| Equity / Assets | 13.88% | 13.81% | 13.30% | 13.33% | 12.85% | 12.57% | 12.27% | 12.03% | -130 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 117.93% | 118.49% | 120.93% | 123.88% | 121.33% | 125.46% | 122.81% | 121.80% | -207 bps | |
| Liquid Assets / Assets | 5.12% | 3.36% | 5.22% | 1.73% | 4.25% | 5.04% | 6.06% | 6.12% | +438 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 96.73% | 107.73% | 109.11% | n/a | n/a | |