Hattiesburg, MS · Cert 31864 · GBS Financial Inc.
State savings bank · OCC · 1 branch
Q2 2026
Market Position · Hattiesburg, MS · 2026 SOD (annual) · 6.0% share · #6 of 20 inst. · $0.2B of $4.1B
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 | -0.51% | -0.32% | 0.27% | 0.36% | 0.40% | 0.38% | 0.24% | 0.30% | -6 bps | |
| Return on Equity | -5.49% | -3.57% | 3.36% | 4.05% | 4.34% | 3.99% | 2.20% | 2.80% | -125 bps | |
| Net Interest Margin | 3.21% | 3.15% | 3.71% | 3.63% | 3.69% | 3.76% | 3.94% | 3.99% | +36 bps | |
| Efficiency Ratio | 107.98% | 104.57% | 89.61% | 87.68% | 86.64% | 87.56% | 89.07% | 89.02% | +134 bps | |
| Non-Interest Burden | 3.47% | 3.30% | 3.30% | 3.17% | 3.17% | 3.27% | 3.49% | 3.53% | +37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 81.05% | 56.98% | 45.67% | 40.60% | 16.03% | 9.70% | 4.23% | -2.82% | -4,341 bps | |
| Loan Growth (YoY) | 62.55% | 43.94% | 44.58% | 29.82% | 7.03% | 3.28% | 9.54% | 6.01% | -2,381 bps | |
| Deposit Growth (YoY) | 91.42% | 73.12% | 48.07% | 39.16% | 14.16% | 7.16% | 1.00% | -3.32% | -4,248 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.60% | 0.93% | 0.34% | 0.62% | 0.52% | 0.73% | 0.62% | 0.78% | +16 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | 0.00% | -0.02% | -0.01% | -0.01% | -0.01% | 0.00% | +1 bps | |
| Allowance / Loans | 0.76% | 0.74% | 0.73% | 0.72% | 0.73% | 0.73% | 0.72% | 0.73% | +1 bps | |
| Allowance Coverage of NPLs | 1.3x | 0.8x | 2.1x | 1.2x | 1.4x | 1.0x | 1.2x | 0.9x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.21% | 8.49% | 8.24% | 10.48% | 10.53% | 10.73% | 10.90% | 10.98% | +50 bps | |
| Total Risk-Based Capital | 9.21% | 8.49% | 8.24% | 10.48% | 10.53% | 10.73% | 10.90% | 10.98% | +50 bps | |
| Equity / Assets | 8.66% | 8.32% | 8.02% | 10.11% | 10.54% | 10.76% | 10.88% | 10.84% | +74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.13% | 80.76% | 78.24% | 75.58% | 77.00% | 77.84% | 84.85% | 82.88% | +730 bps | |
| Liquid Assets / Assets | 21.98% | 22.15% | 23.67% | 28.55% | 27.15% | 26.24% | 19.32% | 20.78% | -777 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 6.92% | 7.62% | 9.82% | n/a | n/a | |