Calhoun, GA · Cert 34662
FDIC · 3 branches
Q3 2025
Market Position · Dalton, GA · 2025 SOD (annual) · 1.1% share · #10 of 10 inst. · $0.0B of $3.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 0.67% | 0.81% | 1.38% | 1.38% | 0.99% | 1.20% | 1.20% | -18 bps | |
| Return on Equity | 21.75% | 15.66% | 18.64% | 28.52% | 27.12% | 19.38% | 22.72% | 21.24% | -729 bps | |
| Net Interest Margin | 3.68% | 3.57% | 3.62% | 3.81% | 3.63% | 3.62% | 3.73% | 3.83% | +2 bps | |
| Efficiency Ratio | 66.56% | 69.96% | 67.14% | 58.88% | 56.37% | 62.57% | 59.75% | 61.22% | +234 bps | |
| Non-Interest Burden | 2.33% | 2.37% | 2.28% | 1.97% | 1.60% | 2.12% | 2.02% | 2.18% | +21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.46% | 9.82% | 8.16% | 20.64% | 10.95% | 15.32% | 16.49% | 7.25% | -1,339 bps | |
| Loan Growth (YoY) | 17.25% | 20.12% | 26.32% | 23.76% | 22.15% | 22.55% | 27.28% | 24.78% | +102 bps | |
| Deposit Growth (YoY) | 8.74% | 10.52% | 7.59% | 18.51% | 10.39% | 13.75% | 15.55% | 6.12% | -1,240 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.50% | 0.49% | 0.83% | 0.55% | 0.24% | 0.10% | 0.09% | 0.90% | +35 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.03% | 0.16% | 0.11% | 0.48% | 0.01% | 0.21% | +5 bps | |
| Allowance / Loans | 1.23% | 1.31% | 1.36% | 1.27% | 1.23% | 1.15% | 1.12% | 1.09% | -18 bps | |
| Allowance Coverage of NPLs | 2.4x | 2.7x | 1.6x | 2.3x | 5.1x | 11.5x | 12.4x | 1.2x | -1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.33% | 9.02% | 8.92% | 8.90% | 9.03% | 8.78% | 8.82% | 9.01% | +12 bps | |
| Total Risk-Based Capital | 9.33% | 9.02% | 8.92% | 8.90% | 9.03% | 8.78% | 8.82% | 9.01% | +12 bps | |
| Equity / Assets | 4.40% | 4.18% | 4.49% | 5.17% | 4.99% | 5.25% | 5.34% | 5.99% | +83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 58.14% | 59.91% | 63.01% | 60.11% | 64.34% | 64.55% | 69.40% | 70.68% | +1,057 bps | |
| Liquid Assets / Assets | 8.51% | 7.58% | 5.94% | 11.19% | 8.02% | 10.43% | 6.97% | 5.57% | -563 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 402% | n/a | n/a |