Glennville, GA · Cert 32532 · South Group Bancshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Hinesville, GA · 2026 SOD (annual) · 1.5% share · #5 of 7 inst. · $13.1M of $885.9M
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 | 1.68% | 1.61% | 1.50% | 1.56% | 1.54% | 1.53% | 1.50% | 1.49% | -7 bps | |
| Return on Equity | 18.54% | 17.98% | 17.62% | 18.64% | 18.06% | 17.18% | 16.88% | 16.93% | -170 bps | |
| Net Interest Margin | 4.13% | 4.07% | 3.89% | 4.10% | 4.11% | 4.22% | 3.99% | 4.17% | +7 bps | |
| Efficiency Ratio | 54.28% | 53.43% | 55.94% | 57.97% | 51.23% | 54.38% | 54.20% | 51.62% | -635 bps | |
| Non-Interest Burden | 1.91% | 1.83% | 1.88% | 2.11% | 1.79% | 1.96% | 1.85% | 1.85% | -26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.92% | 2.62% | 8.27% | 14.46% | 13.89% | 11.94% | 9.83% | 8.05% | -641 bps | |
| Loan Growth (YoY) | 0.86% | -1.74% | -0.24% | 10.62% | 13.13% | 18.17% | 14.14% | 5.38% | -524 bps | |
| Deposit Growth (YoY) | 2.37% | 2.37% | 8.10% | 15.26% | 15.06% | 11.43% | 9.92% | 7.82% | -744 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.29% | 0.58% | 1.27% | 1.06% | 1.01% | 1.51% | 0.76% | 0.16% | -90 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.44% | 0.00% | 0.00% | 0.01% | 0.07% | 0.44% | 0.06% | +6 bps | |
| Allowance / Loans | 2.38% | 2.41% | 2.43% | 2.27% | 2.34% | 2.42% | 2.49% | 2.53% | +27 bps | |
| Allowance Coverage of NPLs | 8.3x | 4.2x | 1.9x | 2.1x | 2.3x | 1.6x | 3.3x | 15.7x | +13.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.81% | 11.68% | 11.43% | 10.70% | 10.61% | 10.68% | 10.66% | 10.60% | -10 bps | |
| Total Risk-Based Capital | 21.28% | 21.79% | 21.62% | 21.08% | 20.84% | 21.06% | 21.68% | 21.84% | +76 bps | |
| Equity / Assets | 9.46% | 8.46% | 8.56% | 8.20% | 8.80% | 9.02% | 8.73% | 8.86% | +66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.19% | 58.32% | 56.19% | 58.16% | 61.15% | 61.85% | 58.35% | 56.85% | -131 bps | |
| Liquid Assets / Assets | 15.67% | 20.66% | 22.11% | 21.58% | 19.49% | 20.41% | 22.15% | 23.29% | +171 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 242% | 235% | 225% | n/a | n/a | |