Lincolnton, NC · Cert 30315
State savings bank · OCC · 4 branches
Q2 2026
Market Position · Charlotte-Concord-Gastonia, NC-SC · 2026 SOD (annual) · 0.1% share · #22 of 47 inst. · $0.4B of $432.7B
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 | 0.52% | 0.47% | 0.51% | 0.67% | 0.71% | 0.67% | 0.65% | 0.53% | -14 bps | |
| Return on Equity | 3.18% | 2.92% | 3.20% | 4.16% | 4.36% | 4.11% | 3.83% | 3.13% | -103 bps | |
| Net Interest Margin | 2.69% | 2.66% | 2.71% | 2.78% | 2.86% | 2.87% | 2.90% | 2.91% | +13 bps | |
| Efficiency Ratio | 74.17% | 76.09% | 75.99% | 70.55% | 69.54% | 71.31% | 72.78% | 77.56% | +702 bps | |
| Non-Interest Burden | 1.97% | 2.00% | 2.05% | 1.94% | 1.96% | 2.02% | 2.08% | 2.22% | +29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.89% | 6.34% | 5.82% | 4.88% | 2.12% | 1.05% | -0.68% | -0.04% | -492 bps | |
| Loan Growth (YoY) | 7.69% | 6.35% | 5.03% | 5.92% | 4.02% | 3.22% | 1.78% | 1.33% | -459 bps | |
| Deposit Growth (YoY) | 2.23% | 5.06% | 4.21% | 4.81% | 3.55% | 1.79% | -0.27% | -1.06% | -587 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.37% | 0.27% | 0.22% | 0.20% | 0.34% | 0.26% | 0.32% | 0.46% | +26 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | +4 bps | |
| Allowance / Loans | 1.08% | 1.07% | 1.06% | 1.04% | 1.04% | 1.04% | 1.04% | 1.01% | -4 bps | |
| Allowance Coverage of NPLs | 2.9x | 3.9x | 4.9x | 5.3x | 3.1x | 4.0x | 3.3x | 2.2x | -3.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 17.51% | 17.29% | 17.25% | 17.23% | 17.59% | 17.70% | 17.75% | 17.61% | +38 bps | |
| Total Risk-Based Capital | 34.07% | 33.78% | 35.07% | 35.07% | 35.36% | 35.66% | 36.08% | 35.55% | +48 bps | |
| Equity / Assets | 16.47% | 16.01% | 15.98% | 16.15% | 16.91% | 16.98% | 17.08% | 16.93% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.63% | 90.46% | 89.28% | 88.55% | 92.04% | 91.73% | 91.11% | 90.69% | +215 bps | |
| Liquid Assets / Assets | 4.29% | 5.66% | 6.99% | 6.74% | 4.14% | 6.44% | 7.45% | 8.44% | +170 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 57.54% | 56.02% | 54.64% | n/a | n/a | |