Cumming, GA · Cert 34229 · Forsyth Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 0.2% share · #32 of 81 inst. · $0.5B of $255.1B
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 | 1.58% | 1.65% | 1.73% | 1.79% | 1.86% | +28 bps | |
| Return on Equity | 17.42% | 17.92% | 18.47% | 17.76% | 17.94% | +52 bps | |
| Net Interest Margin | 3.59% | 3.61% | 3.62% | 3.83% | 3.91% | +32 bps | |
| Efficiency Ratio | 44.99% | 42.91% | 41.83% | 39.43% | 38.70% | -630 bps | |
| Non-Interest Burden | 1.51% | 1.44% | 1.41% | 1.40% | 1.40% | -11 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.32% | 12.55% | 10.99% | 6.81% | 1.41% | -691 bps | |
| Loan Growth (YoY) | 6.91% | 11.53% | 10.93% | 14.41% | 10.73% | +381 bps | |
| Deposit Growth (YoY) | 6.82% | 12.01% | 9.51% | 5.41% | -0.31% | -713 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.01% | 0.02% | -0.01% | -2 bps | |
| Allowance / Loans | 1.36% | 1.31% | 1.32% | 1.31% | 1.33% | -3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.49% | 10.60% | 10.50% | 10.95% | 11.49% | +100 bps | |
| Total Risk-Based Capital | 18.56% | 18.53% | 18.60% | 19.26% | 19.95% | +139 bps | |
| Equity / Assets | 9.47% | 9.72% | 9.97% | 10.16% | 10.94% | +147 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 55.27% | 56.54% | 57.64% | 58.33% | 61.39% | +612 bps | |
| Liquid Assets / Assets | 6.58% | 6.91% | 6.54% | 5.82% | 3.37% | -321 bps | |
| CRE / Total Capital | n/a | 331% | 327% | 318% | n/a | n/a | |