Taylorsville, NC · Cert 32348
SI · FDIC · 3 branches
Q2 2026
Market Position · Hickory-Lenoir-Morganton, NC · 2026 SOD (annual) · 3.2% share · #7 of 15 inst. · $0.2B of $6.8B
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 | 0.68% | 0.72% | 0.65% | 0.62% | 0.64% | 0.57% | 0.86% | 0.88% | +26 bps | |
| Return on Equity | 9.16% | 9.89% | 9.82% | 9.50% | 9.85% | 8.71% | 12.79% | 13.15% | +365 bps | |
| Net Interest Margin | 2.94% | 2.81% | 2.61% | 2.58% | 2.63% | 2.69% | 2.85% | 2.89% | +31 bps | |
| Efficiency Ratio | 71.68% | 71.55% | 68.57% | 70.37% | 68.60% | 72.09% | 63.06% | 62.62% | -775 bps | |
| Non-Interest Burden | 2.05% | 1.91% | 1.76% | 1.77% | 1.75% | 1.88% | 1.73% | 1.73% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.11% | 16.50% | 20.13% | 24.08% | 22.07% | 18.56% | 13.64% | 13.10% | -1,098 bps | |
| Loan Growth (YoY) | 16.84% | 14.99% | 14.81% | 14.17% | 13.24% | 13.97% | 14.77% | 15.79% | +162 bps | |
| Deposit Growth (YoY) | 20.31% | 19.72% | 24.24% | 25.08% | 22.93% | 18.96% | 13.74% | 12.97% | -1,211 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.63% | 0.61% | 0.66% | 0.49% | 0.53% | 0.60% | 0.46% | 0.40% | -9 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 | 0.90% | 0.89% | 0.87% | 0.87% | 0.88% | 0.88% | 0.84% | 0.82% | -5 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.4x | 1.3x | 1.8x | 1.6x | 1.5x | 1.8x | 2.1x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.22% | 8.93% | 8.29% | 7.97% | 8.01% | 8.07% | 8.00% | 8.08% | +10 bps | |
| Total Risk-Based Capital | 15.55% | 15.47% | 15.76% | 14.31% | 14.68% | 14.68% | 14.37% | 13.99% | -31 bps | |
| Equity / Assets | 7.43% | 6.72% | 6.51% | 6.29% | 6.38% | 6.69% | 6.68% | 6.64% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.96% | 86.76% | 83.83% | 81.93% | 81.95% | 83.12% | 84.58% | 83.98% | +205 bps | |
| Liquid Assets / Assets | 1.85% | 3.44% | 5.29% | 4.94% | 8.21% | 7.13% | 5.65% | 5.90% | +96 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 156.82% | 159.07% | 177.73% | n/a | n/a | |