Cairo, GA · Cert 35427
National charter · OCC · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.53% | 1.38% | 1.45% | 0.92% | 1.53% | 0 bps | |
| Return on Equity | 10.32% | 9.53% | 9.82% | 6.17% | 10.38% | +6 bps | |
| Net Interest Margin | 4.93% | 4.75% | 4.64% | 4.20% | 4.77% | -15 bps | |
| Efficiency Ratio | 51.46% | 69.55% | 57.17% | 64.03% | 54.87% | +341 bps | |
| Non-Interest Burden | 2.43% | 3.49% | 2.62% | 2.63% | 2.53% | +11 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.76% | 8.17% | 8.65% | 6.43% | 0.87% | -1,089 bps | |
| Loan Growth (YoY) | 0.51% | -0.32% | 3.15% | 4.94% | 6.82% | +630 bps | |
| Deposit Growth (YoY) | 17.05% | 10.71% | 11.29% | 8.81% | 0.75% | -1,630 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.67% | 0.93% | 1.39% | 2.45% | 2.15% | +148 bps | |
| Net Charge-Offs / Loans | -0.03% | 0.24% | 0.15% | 0.03% | -0.11% | -8 bps | |
| Allowance / Loans | 2.45% | 2.16% | 2.18% | 2.21% | 2.21% | -24 bps | |
| Allowance Coverage of NPLs | 3.6x | 2.3x | 1.6x | 0.9x | 1.0x | -2.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.84% | 14.70% | 14.79% | 14.95% | 14.77% | -7 bps | |
| Total Risk-Based Capital | 23.09% | 23.31% | 23.73% | 23.70% | 22.32% | -77 bps | |
| Equity / Assets | 14.43% | 14.58% | 14.92% | 14.84% | 14.71% | +28 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.72% | 91.49% | 89.88% | 88.98% | 96.19% | +546 bps | |
| Liquid Assets / Assets | 13.12% | 13.15% | 15.13% | 14.01% | 8.03% | -509 bps | |
| CRE / Total Capital | n/a | 105.12% | 112.53% | 113.46% | n/a | n/a | |