West Jefferson, NC · Cert 31217 · Asheco MHC Inc.
State charter, Fed member · FED · 4 branches
Q2 2026
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 | 0.71% | 0.77% | 0.77% | 0.99% | 1.14% | 1.13% | 1.07% | 1.14% | +15 bps | |
| Return on Equity | 6.56% | 7.20% | 7.46% | 9.65% | 11.00% | 10.83% | 9.95% | 10.42% | +77 bps | |
| Net Interest Margin | 2.91% | 2.88% | 3.15% | 3.27% | 3.34% | 3.26% | 3.41% | 3.50% | +23 bps | |
| Efficiency Ratio | 75.22% | 73.94% | 71.70% | 67.53% | 66.11% | 65.49% | 64.03% | 60.96% | -657 bps | |
| Non-Interest Burden | 2.07% | 2.01% | 2.14% | 2.04% | 2.04% | 1.97% | 2.05% | 1.98% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.80% | 10.39% | 9.79% | 5.95% | 9.01% | 6.64% | 4.78% | 3.65% | -231 bps | |
| Loan Growth (YoY) | 3.40% | 7.20% | 10.22% | 9.17% | 6.41% | 6.75% | 4.77% | 8.88% | -29 bps | |
| Deposit Growth (YoY) | 8.93% | 11.26% | 10.68% | 6.37% | 9.50% | 6.11% | 3.83% | 2.26% | -411 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.26% | 1.06% | 1.20% | 1.15% | 0.77% | 1.26% | 1.20% | 1.11% | -3 bps | |
| Net Charge-Offs / Loans | -0.05% | -0.04% | -0.05% | -0.06% | -0.12% | -0.08% | -0.02% | -0.02% | +3 bps | |
| Allowance / Loans | 1.48% | 1.43% | 1.46% | 1.48% | 1.43% | 1.43% | 1.39% | 1.39% | -9 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.3x | 1.2x | 1.3x | 1.9x | 1.1x | 1.2x | 1.2x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.35% | 11.20% | 11.05% | 11.30% | 11.46% | 11.35% | 11.46% | 11.92% | +61 bps | |
| Total Risk-Based Capital | 18.50% | 18.51% | 18.41% | 19.06% | 19.67% | 19.91% | 20.22% | 19.90% | +85 bps | |
| Equity / Assets | 10.95% | 10.38% | 10.16% | 10.38% | 10.64% | 10.75% | 10.75% | 11.37% | +99 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.87% | 69.41% | 69.17% | 70.99% | 69.85% | 69.83% | 69.80% | 75.59% | +460 bps | |
| Liquid Assets / Assets | 7.77% | 9.48% | 9.91% | 8.89% | 10.53% | 10.80% | 10.53% | 4.88% | -401 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 178.42% | 175.30% | 173.20% | n/a | n/a | |