Newington, GA · Cert 5704
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Savannah, GA · 2026 SOD (annual) · 1.5% share · #16 of 24 inst. · $0.1B of $9.5B
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 | 1.53% | 1.39% | 1.54% | 1.60% | 1.43% | 1.25% | 1.52% | 1.50% | -11 bps | |
| Return on Equity | 17.98% | 16.21% | 17.38% | 18.20% | 16.20% | 14.16% | 17.34% | 16.94% | -127 bps | |
| Net Interest Margin | 4.62% | 4.73% | 4.73% | 4.75% | 4.54% | 4.58% | 4.62% | 4.65% | -10 bps | |
| Efficiency Ratio | 53.65% | 58.33% | 56.96% | 56.03% | 58.94% | 60.45% | 58.09% | 59.55% | +352 bps | |
| Non-Interest Burden | 2.42% | 2.71% | 2.57% | 2.53% | 2.56% | 2.65% | 2.56% | 2.65% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.29% | 10.30% | 7.04% | 7.63% | 14.54% | 13.90% | 15.34% | 10.91% | +328 bps | |
| Loan Growth (YoY) | 8.87% | 10.99% | 6.75% | 15.06% | 14.13% | 13.43% | 12.21% | 10.37% | -469 bps | |
| Deposit Growth (YoY) | 14.27% | 5.59% | 2.29% | 3.20% | 10.67% | 18.57% | 20.00% | 14.78% | +1,159 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.12% | 0.99% | 0.24% | 0.51% | 0.93% | 0.43% | 0.95% | 0.48% | -3 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.03% | 0.00% | 0.02% | 0.02% | 0.01% | 0.00% | 0.00% | -2 bps | |
| Allowance / Loans | 1.65% | 1.69% | 1.70% | 1.66% | 1.72% | 1.88% | 1.86% | 1.85% | +19 bps | |
| Allowance Coverage of NPLs | 14.2x | 1.7x | 7.2x | 3.3x | 1.8x | 4.4x | 2.0x | 3.9x | +0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.90% | 9.35% | 9.07% | 9.16% | 8.97% | 9.02% | 8.90% | 9.07% | -8 bps | |
| Total Risk-Based Capital | 13.53% | 13.20% | 12.91% | 12.98% | 13.36% | 13.00% | 12.50% | 12.61% | -37 bps | |
| Equity / Assets | 8.94% | 8.93% | 8.77% | 8.75% | 8.90% | 8.95% | 8.65% | 8.91% | +16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.55% | 91.93% | 90.85% | 91.53% | 89.25% | 87.95% | 84.95% | 88.01% | -352 bps | |
| Liquid Assets / Assets | 10.61% | 8.69% | 9.87% | 8.64% | 10.36% | 7.90% | 10.26% | 8.06% | -58 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 475% | 502% | 506% | n/a | n/a | |