Hertford, NC · Cert 31345
SI · FDIC · 1 branch
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.04%1 | 0.01%1 | -0.08% | -0.30% | -0.12% | -16 bps | |
| Return on Equity | 0.36% | 0.12% | -0.68% | -2.72% | -1.09% | -145 bps | |
| Net Interest Margin | 2.73% | 2.68% | 2.60% | 2.63% | 2.67% | -6 bps | |
| Efficiency Ratio | 101.20% | 101.30% | 103.86% | 103.65% | 102.14% | +95 bps | |
| Non-Interest Burden | 2.77% | 2.71% | 2.71% | 2.73% | 2.73% | -4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.93% | 6.06% | 12.32% | 15.58% | 11.99% | +806 bps | |
| Loan Growth (YoY) | 3.52% | 2.16% | 1.14% | 4.27% | 10.72% | +720 bps | |
| Deposit Growth (YoY) | 4.81% | 7.01% | 14.14% | 18.04% | 13.89% | +908 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.24% | 0.24% | 0.22% | +22 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.09% | 0.07% | 0.00% | 0.00% | -14 bps | |
| Allowance / Loans | 0.97% | 1.01% | 1.00% | 0.97% | 0.92% | -5 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 4.1x | 4.1x | 4.2x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.28% | 11.78% | 11.22% | 10.78% | 10.64% | -164 bps | |
| Total Risk-Based Capital | 12.28% | 11.78% | 11.22% | 10.78% | 10.64% | -164 bps | |
| Equity / Assets | 12.06% | 11.64% | 11.37% | 10.76% | 10.63% | -144 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 81.48% | 79.28% | 78.59% | 76.28% | 79.22% | -226 bps | |
| Liquid Assets / Assets | 24.12% | 25.23% | 25.42% | 27.84% | 25.41% | +129 bps | |
| CRE / Total Capital | n/a | 77.41% | 77.56% | 91.44% | n/a | n/a | |