Wrightsville, GA · Cert 5699
FDIC · 1 branch
Q4 2025
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.36% | 1.39% | 1.40% | 1.40% | 1.36% | 1.48% | 1.59% | 1.54% | +14 bps | |
| Return on Equity | 24.29% | 24.17% | 22.44% | 22.19% | 20.36% | 21.99% | 22.25% | 20.51% | -168 bps | |
| Net Interest Margin | 3.66% | 3.66% | 3.67% | 3.61% | 3.54% | 3.57% | 3.65% | 3.78% | +17 bps | |
| Efficiency Ratio | 56.15% | 55.18% | 55.06% | 55.44% | 55.70% | 52.90% | 50.72% | 52.54% | -290 bps | |
| Non-Interest Burden | 1.92% | 1.89% | 1.90% | 1.88% | 1.88% | 1.78% | 1.74% | 1.88% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.14% | 7.90% | 6.93% | 5.62% | 10.93% | 13.82% | 9.33% | 7.13% | +151 bps | |
| Loan Growth (YoY) | 9.73% | 4.88% | 3.01% | 0.94% | 0.49% | 6.74% | 12.39% | 14.37% | +1,343 bps | |
| Deposit Growth (YoY) | 12.34% | 6.35% | 3.11% | 4.60% | 9.34% | 12.76% | 8.44% | 4.35% | -25 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.03% | 0.03% | 0.00% | 0.00% | 0.00% | 0.00% | 0.05% | 0.05% | +5 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.05% | 0.04% | 0.00% | 0.00% | -0.01% | 0.07% | +3 bps | |
| Allowance / Loans | 1.24% | 1.21% | 1.18% | 1.23% | 1.20% | 1.11% | 1.06% | 1.01% | -22 bps | |
| Allowance Coverage of NPLs | 38.5x | 38.4x | n/a | n/a | n/a | n/a | 22.9x | 22.3x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.11% | 10.44% | 10.82% | 10.58% | 9.93% | 9.99% | 10.44% | 11.21% | +63 bps | |
| Total Risk-Based Capital | 10.11% | 10.44% | 17.14% | 10.58% | 9.93% | 9.99% | 10.44% | 11.21% | +63 bps | |
| Equity / Assets | 5.42% | 6.03% | 7.66% | 6.60% | 6.71% | 6.88% | 8.41% | 8.98% | +238 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.37% | 52.81% | 53.72% | 50.11% | 48.13% | 49.99% | 55.68% | 54.92% | +481 bps | |
| Liquid Assets / Assets | 11.81% | 13.34% | 13.26% | 18.45% | 22.75% | 22.68% | 17.87% | 19.98% | +153 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | 236% | 223% | n/a | |