Pelham, GA · Cert 29357
State savings bank · OCC · 3 branches
Q2 2026
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 | 1.24% | 1.39% | 1.40% | 1.40% | 1.27% | 1.46% | 1.64% | 1.12% | -28 bps | |
| Return on Equity | 9.95% | 10.81% | 10.52% | 10.42% | 9.31% | 10.55% | 11.74% | 7.99% | -243 bps | |
| Net Interest Margin | 4.26% | 4.51% | 4.52% | 5.02% | 5.04% | 5.12% | 5.06% | 4.82% | -21 bps | |
| Efficiency Ratio | 61.97% | 60.50% | 62.69% | 62.62% | 62.24% | 57.61% | 56.00% | 64.17% | +155 bps | |
| Non-Interest Burden | 2.36% | 2.43% | 2.57% | 2.87% | 2.82% | 2.65% | 2.50% | 2.83% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.63% | 3.12% | -0.24% | 3.61% | -0.05% | 4.97% | 6.27% | 5.45% | +184 bps | |
| Loan Growth (YoY) | 5.50% | 4.47% | 3.34% | 8.89% | 11.38% | 12.27% | 14.69% | 10.89% | +200 bps | |
| Deposit Growth (YoY) | 5.64% | 5.86% | 2.01% | 6.42% | 2.02% | 4.00% | 5.26% | 4.58% | -184 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.22% | 1.19% | 1.72% | 1.51% | 1.41% | 1.36% | 1.99% | 2.21% | +70 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | -0.03% | 0.02% | 0.00% | 0.09% | 0.01% | 0.20% | +17 bps | |
| Allowance / Loans | 1.57% | 1.61% | 1.67% | 1.64% | 1.71% | 1.77% | 1.84% | 1.87% | +23 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.3x | 1.0x | 1.1x | 1.2x | 1.3x | 0.9x | 0.8x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.67% | 13.02% | 13.29% | 13.69% | 13.92% | 14.00% | 14.19% | 14.13% | +44 bps | |
| Total Risk-Based Capital | 22.49% | 22.88% | 23.52% | 22.92% | 22.67% | 23.21% | 23.22% | 23.17% | +25 bps | |
| Equity / Assets | 12.46% | 13.20% | 13.39% | 13.41% | 13.82% | 13.94% | 14.00% | 14.04% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.32% | 94.85% | 94.34% | 97.25% | 101.89% | 102.39% | 102.79% | 103.11% | +586 bps | |
| Liquid Assets / Assets | 14.94% | 14.52% | 15.23% | 13.03% | 9.19% | 8.96% | 9.03% | 8.66% | -437 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 88.27% | 85.94% | 80.93% | n/a | n/a | |