Albany, GA · Cert 35029 · Community Capital Bancshares
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
71
Asset Quality
100
Profitability
91
Liquidity
83
Efficiency
89
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Albany, GA · Cert 35029 · Community Capital Bancshares
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Albany, GA · 2026 SOD (annual) · 6.9% share · #7 of 15 inst. · $0.2B of $3.3B
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 | 1.80% | 1.84% | 1.75% | 1.81% | 1.87% | 1.92% | 1.84% | 1.92% | +10 bps | |
| Return on Equity | 16.08% | 16.50% | 15.92% | 16.19% | 16.51% | 17.07% | 16.29% | 16.64% | +44 bps | |
| Net Interest Margin | 4.29% | 4.22% | 4.34% | 4.46% | 4.61% | 4.42% | 4.48% | 4.58% | +11 bps | |
| Efficiency Ratio | 49.00% | 49.94% | 48.39% | 48.35% | 49.53% | 47.98% | 48.67% | 48.12% | -23 bps | |
| Non-Interest Burden | 1.90% | 1.92% | 1.94% | 1.99% | 2.10% | 1.95% | 1.98% | 1.97% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.10% | 7.87% | 5.14% | 1.54% | 1.35% | 3.95% | -0.15% | 1.26% | -29 bps | |
| Loan Growth (YoY) | -2.04% | -3.04% | -1.64% | 1.08% | 14.42% | 10.29% | 7.44% | 5.94% | +486 bps | |
| Deposit Growth (YoY) | 2.25% | 9.26% | 5.40% | 2.33% | 2.09% | 4.77% | 0.02% | 0.92% | -141 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.72% | 0.53% | 0.55% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.25% | 0.19% | -0.02% | -0.01% | -0.01% | -0.01% | -0.01% | -0.01% | +1 bps | |
| Allowance / Loans | 1.45% | 1.45% | 1.46% | 1.40% | 1.28% | 1.33% | 1.37% | 1.33% | -7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 1.8x | 2.5x | 2.5x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.64% | 11.20% | 11.35% | 11.59% | 11.95% | 11.47% | 11.51% | 11.85% | +26 bps | |
| Total Risk-Based Capital | 18.46% | 18.23% | 18.35% | 18.27% | 17.45% | 17.62% | 18.38% | 18.22% | -5 bps | |
| Equity / Assets | 11.51% | 10.98% | 10.99% | 11.67% | 11.66% | 11.11% | 11.45% | 12.02% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.96% | 71.85% | 70.80% | 78.08% | 84.01% | 75.64% | 76.06% | 81.96% | +388 bps | |
| Liquid Assets / Assets | 7.60% | 8.65% | 7.78% | 6.90% | 4.68% | 5.08% | 6.29% | 5.17% | -174 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 235% | 214% | 189.00% | n/a | n/a | |
Albany, GA · Cert 35029 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Community Capital Bancshares
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
1.99%
Rank 44 of 746
Net Interest Margin
4.58%
Rank 79 of 746
Efficiency Ratio
48.12%
Rank 82 of 746
Equity / Assets
12.02%
Rank 242 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.99% | 0.72% | 1.06% | 1.45% | Beats 94% | 44 / 746 | ||
| Return on Equity | 16.53% | 6.74% | 10.51% | 13.63% | Beats 90% | 75 / 746 | ||
| Net Interest Margin | 4.58% | 3.17% | 3.68% | 4.16% | Beats 89% | 79 / 746 | ||
| Efficiency Ratio | 48.12% | 55.74% | 64.58% | 75.47% | Beats 89% | 82 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.96% | 11.55% | 13.75% | 17.60% | Beats 72% | 210 / 746 | ||
| Total Risk-Based Capital Ratio | 18.22% | 11.71% | 14.33% | 18.43% | Beats 74% | 192 / 746 | ||
| Equity / Assets | 12.02% | 8.90% | 10.51% | 13.06% | Beats 68% | 242 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 81.96% | 61.31% | 78.27% | 90.78% | 58th pctl | 317 / 746 | ||
| Loans / Assets | 71.52% | 53.60% | 66.97% | 76.08% | 61st pctl | 291 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||