Rocky Mount, NC · Cert 35530 · First Carolina Finl Services
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Raleigh-Cary, NC · 2026 SOD (annual) · 1.3% share · #7 of 37 inst. · $1.4B of $110.3B
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 | 0.81% | 0.83% | 0.74% | 0.72% | 0.44% | 0.51% | 0.83% | 0.78% | +5 bps | |
| Return on Equity | 7.08% | 7.05% | 5.88% | 5.84% | 3.61% | 4.20% | 6.84% | 6.19% | +35 bps | |
| Net Interest Margin | 3.13% | 3.12% | 3.21% | 3.08% | 2.94% | 3.06% | 3.19% | 3.20% | +13 bps | |
| Efficiency Ratio | 72.44% | 71.89% | 76.80% | 77.85% | 79.78% | 79.55% | 74.75% | 74.60% | -324 bps | |
| Non-Interest Burden | 2.22% | 2.19% | 2.18% | 2.11% | 2.10% | 2.21% | 2.19% | 2.20% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.69% | 11.52% | 11.68% | 13.51% | 13.95% | 9.15% | 5.87% | 0.57% | -1,293 bps | |
| Loan Growth (YoY) | 20.94% | 16.29% | 11.79% | 6.15% | 3.03% | 2.10% | 1.31% | 1.69% | -446 bps | |
| Deposit Growth (YoY) | 25.86% | 6.40% | 7.95% | 16.07% | 18.29% | 11.13% | 9.37% | -2.57% | -1,864 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.66% | 0.67% | 0.66% | 0.90% | 0.83% | 0.81% | 0.83% | 0.81% | -9 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.09% | 0.11% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.76% | 0.79% | 0.82% | 0.81% | 0.87% | 0.79% | 0.79% | 0.80% | 0 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.2x | 1.2x | 0.9x | 1.1x | 1.0x | 0.9x | 1.0x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.56% | 12.85% | 10.27% | 10.10% | 9.23% | 9.68% | 10.04% | 11.36% | +126 bps | |
| Total Risk-Based Capital | 12.13% | 13.91% | 11.50% | 11.54% | 11.84% | 12.06% | 12.39% | 13.72% | +218 bps | |
| Equity / Assets | 11.22% | 12.87% | 12.33% | 11.98% | 11.29% | 12.22% | 12.08% | 13.38% | +140 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.56% | 102.91% | 97.54% | 91.55% | 87.59% | 94.54% | 90.35% | 95.55% | +400 bps | |
| Liquid Assets / Assets | 6.65% | 6.58% | 7.60% | 5.11% | 7.92% | 3.75% | 5.18% | 3.07% | -204 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 646% | 615% | 598% | n/a | n/a | |