Valdosta, GA · Cert 29164
State savings bank · OCC · 4 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 (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
44
Asset Quality
28
Profitability
46
Liquidity
0
Efficiency
37
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.
Valdosta, GA · Cert 29164
State savings bank · OCC · 4 branches
Q2 2026
Market Position · Valdosta, GA · 2026 SOD (annual) · 5.5% share · #9 of 16 inst. · $0.2B of $3.8B
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 | 0.71% | 0.40% | 0.82% | 0.82% | 0.80% | 0.46% | 0.84% | 0.83% | +1 bps | |
| Return on Equity | 5.24% | 3.01% | 6.55% | 6.47% | 6.33% | 3.66% | 7.03% | 6.92% | +45 bps | |
| Net Interest Margin | 3.97% | 3.85% | 4.04% | 4.02% | 3.95% | 3.83% | 3.89% | 3.90% | -12 bps | |
| Efficiency Ratio | 77.53% | 86.79% | 74.46% | 74.46% | 74.71% | 85.11% | 72.75% | 73.17% | -129 bps | |
| Non-Interest Burden | 3.00% | 3.29% | 2.92% | 2.90% | 2.86% | 3.20% | 2.73% | 2.76% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.70% | 13.47% | 14.71% | 7.60% | 9.16% | 9.17% | 8.23% | 10.52% | +292 bps | |
| Loan Growth (YoY) | 11.46% | 10.01% | 10.19% | 9.04% | 10.94% | 13.41% | 11.53% | 10.29% | +126 bps | |
| Deposit Growth (YoY) | 11.91% | 11.49% | 19.30% | 10.47% | 6.33% | 3.35% | 4.33% | 7.77% | -270 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.27% | 1.46% | 0.30% | 0.73% | 1.24% | 1.64% | 1.35% | 1.79% | +107 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.00% | 0.03% | 0.03% | 0.03% | 0.05% | 0.02% | -1 bps | |
| Allowance / Loans | 0.44% | 0.45% | 0.45% | 0.44% | 0.42% | 0.41% | 0.41% | 0.42% | -2 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.3x | 1.5x | 0.6x | 0.3x | 0.2x | 0.3x | 0.2x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.39% | 12.69% | 12.61% | 12.84% | 12.88% | 12.26% | 12.17% | 12.26% | -57 bps | |
| Total Risk-Based Capital | 13.39% | 12.69% | 12.61% | 12.84% | 12.88% | 12.26% | 12.17% | 12.26% | -57 bps | |
| Equity / Assets | 13.35% | 12.63% | 12.49% | 12.91% | 12.72% | 12.03% | 11.99% | 12.16% | -75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 116.55% | 111.16% | 108.75% | 114.48% | 121.59% | 121.99% | 116.25% | 117.16% | +268 bps | |
| Liquid Assets / Assets | 4.53% | 7.65% | 8.20% | 4.22% | 3.19% | 4.86% | 6.12% | 5.32% | +110 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 109.08% | 116.62% | 117.09% | n/a | n/a | |
Valdosta, GA · Cert 29164 · Peer group: banks under $1B in assets (n=581-629)
State savings bank · OCC · 4 branches
Q2 2026
Return on Assets
0.83%
Rank 405 of 629
Net Interest Margin
3.90%
Rank 196 of 629
Efficiency Ratio
73.17%
Rank 398 of 629
Equity / Assets
12.16%
Rank 220 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.83% | 0.60% | 1.01% | 1.45% | Beats 36% | 405 / 629 | ||
| Return on Equity | 6.80% | 5.38% | 9.30% | 13.28% | Beats 32% | 428 / 629 | ||
| Net Interest Margin | 3.90% | 3.03% | 3.54% | 4.05% | Beats 69% | 196 / 629 | ||
| Efficiency Ratio | 73.17% | 58.35% | 67.79% | 79.08% | Beats 37% | 398 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.79% | 0.09% | 0.46% | 1.20% | Beats 15% | 496 / 581 | ||
| Net Charge-Offs / Loans | 0.02% | n/a | 0.01% | 0.06% | Beats 40% | 349 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.26% | 11.24% | 13.84% | 18.77% | Beats 36% | 405 / 629 | ||
| Total Risk-Based Capital Ratio | 12.26% | 11.58% | 14.43% | 19.66% | Beats 31% | 434 / 629 | ||
| Equity / Assets | 12.16% | 9.09% | 10.65% | 13.80% | Beats 65% | 220 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 117.16% | 67.24% | 80.90% | 93.48% | 98th pctl | 14 / 594 | ||
| Loans / Assets | 87.73% | 53.31% | 67.71% | 78.15% | 96th pctl | 23 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||