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 | |