Mebane, NC · Cert 30358
State savings bank · OCC · 1 branch
Q2 2026
Market Position · Burlington, NC · 2026 SOD (annual) · 1.5% share · #12 of 14 inst. · $0.0B of $2.8B
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 | -0.09% | 0.40% | -0.30% | 0.00% | -0.37% | 0.26% | 0.30% | 0.33% | +33 bps | |
| Return on Equity | -0.39% | 1.77% | -1.35% | 0.00% | -1.59% | 1.08% | 1.26% | 1.38% | +138 bps | |
| Net Interest Margin | 1.65% | 1.62% | 1.54% | 1.79% | 1.94% | 2.22% | 2.29% | 2.35% | +56 bps | |
| Efficiency Ratio | 125.76% | 102.26% | 117.60% | 100.35% | 117.61% | 94.29% | 87.57% | 89.46% | -1,089 bps | |
| Non-Interest Burden | 2.11% | 1.66% | 1.83% | 1.80% | 2.30% | 2.09% | 1.99% | 2.09% | +29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.01% | -0.49% | -0.42% | 1.07% | -3.73% | -7.97% | -4.98% | -5.24% | -631 bps | |
| Loan Growth (YoY) | 3.25% | 2.10% | 0.28% | 1.49% | 1.89% | 3.59% | 2.03% | -4.27% | -576 bps | |
| Deposit Growth (YoY) | -3.65% | -0.55% | -0.39% | 1.35% | -4.78% | -10.40% | -6.65% | -7.02% | -838 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.23% | 0.23% | 0.23% | 0.35% | 0.22% | 0.22% | 0.22% | 0.23% | -12 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.55% | 0.55% | 0.55% | 0.54% | 0.54% | 0.50% | 0.51% | 0.51% | -4 bps | |
| Allowance Coverage of NPLs | 2.4x | 2.4x | 2.4x | 1.6x | 2.4x | 2.3x | 2.3x | 2.2x | +0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 22.44% | 21.98% | 22.28% | 22.71% | 22.93% | 23.80% | 24.02% | 23.92% | +121 bps | |
| Total Risk-Based Capital | 54.35% | 53.95% | 54.65% | 53.73% | 53.64% | 54.75% | 54.38% | 56.30% | +257 bps | |
| Equity / Assets | 22.54% | 22.15% | 22.77% | 22.59% | 23.36% | 23.96% | 24.01% | 23.97% | +138 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.19% | 77.19% | 81.16% | 81.83% | 84.74% | 89.25% | 88.71% | 84.25% | +242 bps | |
| Liquid Assets / Assets | 23.83% | 22.19% | 23.05% | 21.31% | 20.91% | 20.59% | 20.70% | 21.08% | -24 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 16.29% | 14.39% | 13.44% | n/a | n/a | |