Roxboro, NC · Cert 28471
SI · FDIC · 2 branches
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 under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
95
Asset Quality
86
Profitability
35
Liquidity
83
Efficiency
82
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.
Roxboro, NC · Cert 28471
SI · FDIC · 2 branches
Q2 2026
Market Position · Durham-Chapel Hill, NC · 2026 SOD (annual) · 1.6% share · #13 of 18 inst. · $0.3B of $18.6B
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 | 0.90% | 0.96% | 0.86% | 0.79% | 0.86% | 0.93% | 0.92% | 1.18% | +39 bps | |
| Return on Equity | 5.71% | 6.06% | 5.32% | 4.93% | 5.28% | 5.69% | 5.41% | 6.97% | +204 bps | |
| Net Interest Margin | 2.79% | 2.82% | 2.73% | 2.82% | 2.95% | 2.91% | 3.04% | 3.09% | +28 bps | |
| Efficiency Ratio | 61.57% | 62.05% | 61.29% | 66.32% | 65.08% | 63.11% | 59.68% | 52.28% | -1,404 bps | |
| Non-Interest Burden | 1.59% | 1.62% | 1.56% | 1.76% | 1.80% | 1.72% | 1.66% | 1.42% | -34 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.38% | 2.84% | 3.46% | 2.80% | 6.97% | 6.75% | 7.08% | 6.95% | +415 bps | |
| Loan Growth (YoY) | 10.95% | 10.11% | 10.28% | 10.88% | 13.60% | 13.98% | 12.05% | 14.85% | +397 bps | |
| Deposit Growth (YoY) | 1.06% | 2.43% | 4.07% | 3.60% | 7.85% | 6.76% | 6.48% | 6.18% | +259 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.32% | 0.32% | 0.30% | 0.29% | 0.25% | 0.18% | 0.15% | 0.13% | -15 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 | 1.30% | 1.22% | 1.24% | 1.22% | 1.25% | 1.21% | 1.25% | 1.24% | +2 bps | |
| Allowance Coverage of NPLs | 4.1x | 3.8x | 4.1x | 4.3x | 5.1x | 6.9x | 8.6x | 9.2x | +5.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 19.05% | 19.30% | 18.73% | 18.60% | 19.33% | 18.92% | 19.03% | 18.97% | +37 bps | |
| Total Risk-Based Capital | 43.31% | 41.85% | 41.49% | 41.23% | 40.65% | 40.16% | 39.94% | 40.17% | -106 bps | |
| Equity / Assets | 16.78% | 16.07% | 16.15% | 16.15% | 16.61% | 17.03% | 16.86% | 17.06% | +91 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.99% | 66.64% | 66.81% | 67.27% | 68.46% | 71.15% | 70.31% | 72.76% | +549 bps | |
| Liquid Assets / Assets | 4.76% | 4.23% | 4.81% | 4.67% | 3.92% | 2.97% | 4.54% | 3.18% | -150 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 69.51% | 70.61% | 70.86% | n/a | n/a | |
Roxboro, NC · Cert 28471 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
SI · FDIC · 2 branches
Q2 2026
Return on Assets
1.17%
Rank 313 of 746
Net Interest Margin
3.09%
Rank 587 of 746
Efficiency Ratio
52.28%
Rank 138 of 746
Equity / Assets
17.06%
Rank 61 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.17% | 0.72% | 1.06% | 1.45% | Beats 58% | 313 / 746 | ||
| Return on Equity | 6.85% | 6.74% | 10.51% | 13.63% | Beats 26% | 551 / 746 | ||
| Net Interest Margin | 3.09% | 3.17% | 3.68% | 4.16% | Beats 21% | 587 / 746 | ||
| Efficiency Ratio | 52.28% | 55.74% | 64.58% | 75.47% | Beats 82% | 138 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.13% | 0.09% | 0.42% | 1.07% | Beats 72% | 211 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 38.92% | 11.55% | 13.75% | 17.60% | Beats 97% | 24 / 746 | ||
| Total Risk-Based Capital Ratio | 40.17% | 11.71% | 14.33% | 18.43% | Beats 97% | 24 / 746 | ||
| Equity / Assets | 17.06% | 8.90% | 10.51% | 13.06% | Beats 92% | 61 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 72.76% | 61.31% | 78.27% | 90.78% | 40th pctl | 450 / 746 | ||
| Loans / Assets | 59.06% | 53.60% | 66.97% | 76.08% | 34th pctl | 492 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||