Columbus, GA · Cert 33962
FDIC
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 12.68% | 13.45% | 14.84% | 7.99% | 10.38% | -230 bps | |
| Return on Equity | 13.08% | 13.88% | 15.34% | 8.26% | 10.79% | -228 bps | |
| Net Interest Margin | 1.18% | 1.11% | 1.83% | 0.82% | 1.01% | -17 bps | |
| Efficiency Ratio | 61.64% | 59.54% | 57.03% | 76.42% | 70.24% | +859 bps | |
| Non-Interest Burden | -15.85% | -16.48% | -17.26% | -9.68% | -13.57% | +228 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.65% | 8.25% | 8.37% | -1.45% | 0.42% | -823 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 97.39% | 96.73% | 97.13% | 88.27% | 97.11% | -28 bps | |
| Total Risk-Based Capital | 118.20% | 116.08% | 114.39% | 116.30% | 115.13% | -308 bps | |
| Equity / Assets | 97.67% | 96.76% | 96.20% | 97.33% | 95.12% | -255 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 66.62% | 67.51% | 69.60% | 76.88% | 75.29% | +868 bps | |
| CRE / Total Capital | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |