Richlands, VA · Cert 31928 · First Region Bancshares Inc.
State charter, Fed member · FED · 9 branches
Q2 2026
Market Position · Kingsport-Bristol, TN-VA · 2026 SOD (annual) · 0.1% share · #23 of 24 inst. · $0.0B of $5.9B
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 | 0.90% | 1.22% | 0.87% | 0.91% | 0.97% | 0.93% | 0.81% | 0.88% | -3 bps | |
| Return on Equity | 9.83% | 13.23% | 9.27% | 9.60% | 10.18% | 9.68% | 8.40% | 8.94% | -65 bps | |
| Net Interest Margin | 3.51% | 3.71% | 3.78% | 3.87% | 3.92% | 3.79% | 3.75% | 3.89% | +2 bps | |
| Efficiency Ratio | 67.88% | 58.71% | 64.62% | 62.77% | 62.86% | 62.83% | 70.67% | 68.69% | +592 bps | |
| Non-Interest Burden | 2.17% | 1.87% | 2.20% | 2.19% | 2.20% | 2.13% | 2.47% | 2.45% | +26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.19% | -0.59% | 0.68% | 2.06% | 2.83% | 2.36% | 4.06% | 0.29% | -177 bps | |
| Loan Growth (YoY) | 0.31% | 0.58% | 2.30% | 1.70% | 3.09% | 2.01% | -0.72% | 0.82% | -89 bps | |
| Deposit Growth (YoY) | -0.58% | -1.42% | -0.97% | 0.29% | 1.17% | 1.15% | 3.97% | 0.45% | +16 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.10% | 0.08% | 0.21% | 0.13% | 0.14% | 0.11% | 0.08% | 0.11% | -2 bps | |
| Net Charge-Offs / Loans | 0.37% | 0.41% | 0.62% | 0.71% | 0.51% | 0.57% | 0.27% | 0.39% | -32 bps | |
| Allowance / Loans | 1.13% | 1.11% | 1.07% | 1.05% | 1.05% | 1.06% | 1.07% | 1.05% | 0 bps | |
| Allowance Coverage of NPLs | 11.3x | 13.3x | 5.1x | 7.9x | 7.3x | 10.0x | 13.1x | 9.6x | +1.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.09% | 9.36% | 9.42% | 9.59% | 9.58% | 9.68% | 9.64% | 10.02% | +43 bps | |
| Total Risk-Based Capital | 12.82% | 13.21% | 12.92% | 13.09% | 13.18% | 13.68% | 13.73% | 13.87% | +78 bps | |
| Equity / Assets | 9.12% | 9.39% | 9.39% | 9.61% | 9.50% | 9.75% | 9.56% | 10.14% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.48% | 93.87% | 96.42% | 96.64% | 95.25% | 94.68% | 92.07% | 97.00% | +36 bps | |
| Liquid Assets / Assets | 11.42% | 10.94% | 9.62% | 9.29% | 10.56% | 10.31% | 13.14% | 7.84% | -145 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 215% | 202% | 200% | n/a | n/a | |