Pine Mountain, GA · Cert 33010 · First Peoples Bankshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Columbus, GA-AL · 2026 SOD (annual) · 2.4% share · #7 of 16 inst. · $0.2B of $9.5B
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 | 1.03% | 1.06% | 1.30% | 1.32% | 1.26% | 1.23% | 1.06% | 1.04% | -28 bps | |
| Return on Equity | 10.24% | 10.68% | 13.65% | 13.53% | 12.64% | 11.86% | 8.74% | 8.59% | -494 bps | |
| Net Interest Margin | 4.08% | 3.95% | 4.23% | 4.33% | 4.25% | 4.21% | 4.41% | 4.47% | +14 bps | |
| Efficiency Ratio | 63.02% | 60.86% | 58.23% | 58.45% | 60.80% | 61.79% | 66.45% | 66.76% | +831 bps | |
| Non-Interest Burden | 2.46% | 2.30% | 2.36% | 2.41% | 2.55% | 2.49% | 2.80% | 2.86% | +45 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.71% | 15.53% | 13.54% | 12.91% | 16.39% | 14.36% | 11.12% | 20.10% | +719 bps | |
| Loan Growth (YoY) | 20.35% | 23.34% | 17.29% | 15.27% | 12.72% | 8.67% | 14.21% | 22.39% | +713 bps | |
| Deposit Growth (YoY) | 15.03% | 16.13% | 13.23% | 7.24% | 11.33% | 9.62% | 7.69% | 19.85% | +1,260 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.32% | 0.26% | 0.25% | 0.06% | 0.08% | 0.08% | 0.06% | 0.12% | +6 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.05% | 0.05% | 0.03% | 0.02% | 0.04% | 0.01% | 0.06% | +3 bps | |
| Allowance / Loans | 1.50% | 1.50% | 1.51% | 1.53% | 1.58% | 1.53% | 1.49% | 1.46% | -7 bps | |
| Allowance Coverage of NPLs | 4.7x | 5.9x | 6.1x | 25.2x | 19.8x | 19.5x | 23.6x | 12.2x | -13.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.28% | 10.90% | 10.59% | 11.10% | 11.05% | 13.52% | 13.05% | 12.84% | +174 bps | |
| Total Risk-Based Capital | 14.61% | 14.29% | 14.67% | 14.94% | 14.95% | 17.53% | 16.52% | 15.73% | +79 bps | |
| Equity / Assets | 10.68% | 9.14% | 9.91% | 10.35% | 10.48% | 11.64% | 12.65% | 12.06% | +171 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.65% | 80.71% | 87.24% | 92.03% | 89.76% | 80.01% | 92.52% | 93.99% | +196 bps | |
| Liquid Assets / Assets | 2.16% | 3.82% | 7.61% | 5.86% | 8.53% | 14.80% | 6.58% | 6.31% | +44 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 361% | 298% | 325% | n/a | n/a | |