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 (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 | 0.71% | -0.46% | 0.82% | 0.81% | 0.78% | -0.52% | 0.84% | 0.82% | +1 bps | |
| Return on Equity | 5.30% | -3.57% | 6.55% | 6.38% | 6.05% | -4.21% | 7.03% | 6.80% | +42 bps | |
| Net Interest Margin | 3.99% | 3.95% | 4.04% | 4.00% | 3.91% | 3.85% | 3.89% | 3.95% | -4 bps | |
| Efficiency Ratio | 77.23% | 113.59% | 74.46% | 74.46% | 75.20% | 115.90% | 72.75% | 73.58% | -88 bps | |
| Non-Interest Burden | 3.01% | 4.52% | 2.92% | 2.88% | 2.84% | 4.51% | 2.73% | 2.82% | -6 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 | -0.03% | 0.01% | 0.00% | 0.06% | 0.05% | 0.03% | 0.05% | -0.02% | -8 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 | |