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 (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 | -0.58% | -1.43% | -0.67% | -0.78% | -0.54% | -0.55% | -0.19% | -0.33% | +45 bps | |
| Return on Equity | -4.69% | -11.65% | -5.68% | -6.81% | -4.79% | -4.92% | -1.65% | -2.88% | +394 bps | |
| Net Interest Margin | 1.42% | 1.32% | 1.40% | 1.45% | 1.56% | 1.60% | 1.77% | 1.79% | +34 bps | |
| Efficiency Ratio | 150.46% | 169.90% | 142.53% | 148.26% | 131.05% | 129.89% | 109.06% | 116.30% | -3,196 bps | |
| Non-Interest Burden | 2.21% | 2.36% | 2.06% | 2.22% | 2.10% | 2.15% | 1.96% | 2.12% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.58% | 4.40% | 5.02% | -0.17% | 4.14% | 0.57% | -4.69% | -4.18% | -401 bps | |
| Loan Growth (YoY) | 4.33% | 1.66% | -0.69% | -0.65% | -1.83% | 0.87% | 0.26% | 0.20% | +84 bps | |
| Deposit Growth (YoY) | 4.92% | 6.15% | 6.80% | 0.80% | 5.82% | 3.57% | -2.75% | -2.28% | -308 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.70% | 0.17% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.40% | 0.40% | 0.41% | 0.41% | 0.41% | 0.40% | 0.41% | 0.41% | 0 bps | |
| Allowance Coverage of NPLs | n/a | 0.6x | 2.4x | 11.0x | 0.6x | 0.3x | 0.5x | 0.6x | -10.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.29% | 12.03% | 11.48% | 11.22% | 11.00% | 10.99% | 11.19% | 11.27% | +5 bps | |
| Total Risk-Based Capital | 12.29% | 12.03% | 11.48% | 11.22% | 11.00% | 10.99% | 11.19% | 11.27% | +5 bps | |
| Equity / Assets | 12.47% | 12.17% | 11.48% | 11.45% | 11.14% | 11.45% | 11.51% | 11.54% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.56% | 86.99% | 81.18% | 82.81% | 81.23% | 84.72% | 83.69% | 84.92% | +210 bps | |
| Liquid Assets / Assets | 13.70% | 13.94% | 18.79% | 17.46% | 18.51% | 13.95% | 14.79% | 13.64% | -382 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 117.80% | 113.97% | 110.57% | n/a | n/a | |