Charlotte, NC · Cert 34478
National charter · OCC · 1 branch
Q2 2026
Market Position · Charlotte-Concord-Gastonia, NC-SC · 2026 SOD (annual) · 0.0% share · #46 of 47 inst. · $0.0B of $432.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.13% | 3.66% | 5.93% | 4.57% | 5.03% | -10 bps | |
| Return on Equity | 7.23% | 5.25% | 8.30% | 6.30% | 7.09% | -13 bps | |
| Net Interest Margin | 3.73% | 3.86% | 3.58% | 3.52% | 3.37% | -36 bps | |
| Efficiency Ratio | 64.13% | 62.93% | 60.11% | 65.50% | 63.10% | -102 bps | |
| Non-Interest Burden | -2.45% | -2.94% | -3.88% | -2.19% | -2.88% | -43 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.82% | 1.79% | 1.13% | 1.25% | 1.64% | -618 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| 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 | 67.29% | 70.88% | 71.02% | 71.82% | 67.56% | +27 bps | |
| Total Risk-Based Capital | 89.00% | 86.74% | 91.87% | 109.56% | 92.36% | +336 bps | |
| Equity / Assets | 68.06% | 71.55% | 71.47% | 73.73% | 68.11% | +5 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 19.92% | 16.28% | 17.06% | 31.16% | 23.77% | +385 bps | |
| CRE / Total Capital | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |