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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.02% | 0.67% | 0.74% | 0.95% | 1.07% | 0.99% | 1.10% | 1.14% | +18 bps | |
| Return on Equity | 25.66% | 15.66% | 17.00% | 20.85% | 22.92% | 19.38% | 21.22% | 21.07% | +22 bps | |
| Net Interest Margin | 3.55% | 3.57% | 3.55% | 3.56% | 3.42% | 3.62% | 3.64% | 3.70% | +14 bps | |
| Efficiency Ratio | 62.80% | 69.96% | 68.51% | 64.97% | 62.48% | 62.57% | 61.10% | 61.14% | -383 bps | |
| Non-Interest Burden | 2.08% | 2.37% | 2.30% | 2.14% | 1.91% | 2.12% | 2.05% | 2.09% | -5 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 | -0.01% | 0.00% | 0.01% | 0.06% | 0.07% | 0.48% | 0.23% | 0.22% | +15 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 |