Thomasville, GA · Cert 29331
FDIC · 4 branches
Q3 2025
Market Position · Tallahassee, FL · 2025 SOD (annual) · 1.5% share · #14 of 19 inst. · $0.1B of $8.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.09% | 0.03% | 0.07% | 0.16% | 0.30% | 0.34% | 0.46% | 0.23% | +7 bps | |
| Return on Equity | -0.65% | 0.25% | 0.51% | 1.20% | 2.31% | 2.60% | 4.08% | 2.32% | +112 bps | |
| Net Interest Margin | 3.04% | 2.87% | 3.01% | 2.97% | 3.01% | 3.08% | 3.24% | 3.21% | +24 bps | |
| Efficiency Ratio | 99.02% | 97.05% | 93.31% | 90.53% | 88.81% | 85.37% | 81.34% | 95.03% | +450 bps | |
| Non-Interest Burden | 3.01% | 2.78% | 2.80% | 2.67% | 2.65% | 2.60% | 2.60% | 3.04% | +37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.61% | 10.47% | 13.14% | 17.68% | 10.60% | 13.88% | 18.40% | 8.13% | -955 bps | |
| Loan Growth (YoY) | 10.75% | 12.82% | 13.32% | 9.51% | 8.69% | 6.38% | 6.99% | 5.23% | -428 bps | |
| Deposit Growth (YoY) | 9.46% | 9.59% | 13.96% | 19.09% | 14.09% | 16.30% | 22.88% | 12.51% | -658 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.34% | 0.32% | 0.15% | 0.14% | 0.73% | 0.72% | 0.69% | 1.31% | +117 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.02% | 0.05% | -0.26% | -0.14% | -0.03% | 0.00% | -0.02% | +24 bps | |
| Allowance / Loans | 1.28% | 1.28% | 1.28% | 1.33% | 1.26% | 1.28% | 1.23% | 1.21% | -11 bps | |
| Allowance Coverage of NPLs | 3.8x | 4.0x | 8.7x | 9.2x | 1.7x | 1.8x | 1.8x | 0.9x | -8.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.16% | 14.56% | 14.41% | 13.98% | 13.64% | 13.41% | 10.55% | 10.26% | -372 bps | |
| Total Risk-Based Capital | 20.96% | 20.57% | 20.35% | 19.92% | 19.45% | 19.33% | 15.32% | 15.60% | -432 bps | |
| Equity / Assets | 14.10% | 13.90% | 13.75% | 13.11% | 13.21% | 12.92% | 9.72% | 10.19% | -292 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.14% | 98.25% | 97.84% | 91.44% | 94.44% | 89.86% | 85.19% | 85.52% | -592 bps | |
| Liquid Assets / Assets | 4.85% | 4.49% | 4.31% | 7.74% | 2.31% | 3.40% | 7.12% | 5.41% | -233 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 392% | n/a | n/a |