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 (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 | 5.02% | 5.40% | 4.29% | 4.70% | 4.37% | 4.75% | 4.57% | 4.79% | +9 bps | |
| Return on Equity | 6.88% | 7.42% | 5.88% | 6.59% | 6.12% | 6.65% | 6.30% | 6.74% | +15 bps | |
| Net Interest Margin | 3.77% | 3.80% | 4.04% | 3.85% | 3.93% | 3.79% | 3.52% | 3.42% | -42 bps | |
| Efficiency Ratio | 65.84% | 63.73% | 66.56% | 65.29% | 64.47% | 63.31% | 65.50% | 64.28% | -101 bps | |
| Non-Interest Burden | -2.62% | -2.93% | -1.36% | -1.89% | -2.28% | -2.65% | -2.19% | -2.52% | -63 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.11% | 0.19% | 2.44% | 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 | n/a | n/a | n/a |
| Deposit Growth (YoY) | 0.00% | 0.00% | 0.00% | 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 | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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 | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 72.30% | 71.99% | 72.62% | 67.29% | 70.88% | 71.02% | 71.82% | 67.56% | +27 bps | |
| Total Risk-Based Capital | 92.36% | 88.04% | 92.68% | 89.00% | 86.74% | 91.87% | 109.56% | 92.36% | +336 bps | |
| Equity / Assets | 72.70% | 72.08% | 73.88% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 8.96% | 13.25% | 19.71% | 19.92% | 16.28% | 17.06% | 31.16% | 23.77% | +385 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |