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 | |