Tarboro, NC · Cert 29061
SI · FDIC · 1 branch
Q2 2026
Market Position · Rocky Mount, NC · 2026 SOD (annual) · 1.2% share · #9 of 12 inst. · $0.0B of $3.9B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.73% | -0.67% | -0.64% | -0.19% | -0.26% | +47 bps | |
| Return on Equity | -6.24% | -5.76% | -5.56% | -1.65% | -2.26% | +398 bps | |
| Net Interest Margin | 1.42% | 1.46% | 1.51% | 1.77% | 1.80% | +37 bps | |
| Efficiency Ratio | 145.45% | 140.34% | 137.50% | 109.06% | 112.61% | -3,284 bps | |
| Non-Interest Burden | 2.14% | 2.11% | 2.14% | 1.96% | 2.05% | -8 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.17% | 4.14% | 0.57% | -4.69% | -4.18% | -401 bps | |
| Loan Growth (YoY) | -0.65% | -1.83% | 0.87% | 0.26% | 0.20% | +84 bps | |
| Deposit Growth (YoY) | 0.80% | 5.82% | 3.57% | -2.75% | -2.28% | -308 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.04% | 0.69% | 1.58% | 0.88% | 0.66% | +63 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.41% | 0.41% | 0.40% | 0.41% | 0.41% | 0 bps | |
| Allowance Coverage of NPLs | 11.0x | 0.6x | 0.3x | 0.5x | 0.6x | -10.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.22% | 11.00% | 10.99% | 11.19% | 11.27% | +5 bps | |
| Total Risk-Based Capital | 11.22% | 11.00% | 10.99% | 11.19% | 11.27% | +5 bps | |
| Equity / Assets | 11.45% | 11.14% | 11.45% | 11.51% | 11.54% | +8 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 82.81% | 81.23% | 84.72% | 83.69% | 84.92% | +210 bps | |
| Liquid Assets / Assets | 17.46% | 18.51% | 13.95% | 14.79% | 13.64% | -382 bps | |
| CRE / Total Capital | n/a | 117.80% | 113.97% | 110.57% | n/a | n/a | |