Greensboro, GA · Cert 5709 · Putnam-Greene Financial Corp.
State charter, non-member · FDIC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in GA (n=58 to 59). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
54
Asset Quality
92
Profitability
35
Liquidity
100
Efficiency
47
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Greensboro, GA · Cert 5709 · Putnam-Greene Financial Corp.
State charter, non-member · FDIC · 3 affiliate banks · 1 branch (7 in holding)
Q2 2026
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 | 0.44% | 0.47% | 0.88% | 0.89% | 0.84% | 0.85% | 0.95% | 1.04% | +15 bps | |
| Return on Equity | 5.86% | 6.39% | 12.85% | 12.58% | 11.25% | 11.22% | 11.71% | 11.89% | -69 bps | |
| Net Interest Margin | 2.09% | 2.14% | 2.77% | 2.87% | 3.03% | 3.14% | 3.34% | 3.79% | +92 bps | |
| Efficiency Ratio | 77.27% | 74.78% | 55.88% | 56.59% | 57.59% | 59.21% | 61.36% | 60.79% | +420 bps | |
| Non-Interest Burden | 1.53% | 1.53% | 1.50% | 1.57% | 1.69% | 1.81% | 2.00% | 2.26% | +69 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.38% | 13.88% | 8.05% | 14.82% | 12.94% | 1.91% | 2.96% | -13.26% | -2,809 bps | |
| Loan Growth (YoY) | 32.70% | 30.06% | 25.67% | 26.29% | 16.72% | 5.79% | 4.70% | -2.64% | -2,893 bps | |
| Deposit Growth (YoY) | 7.65% | 8.91% | 7.31% | 14.82% | 17.49% | 5.30% | 1.52% | -16.15% | -3,097 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.16% | 0.06% | 0.00% | 0.70% | 0.74% | 1.16% | 0.05% | +5 bps | |
| Net Charge-Offs / Loans | -0.05% | -0.03% | 0.00% | 0.11% | 0.07% | 0.06% | 0.00% | 0.00% | -11 bps | |
| Allowance / Loans | 1.20% | 1.17% | 1.17% | 1.10% | 1.24% | 1.30% | 1.29% | 1.36% | +27 bps | |
| Allowance Coverage of NPLs | n/a | 7.5x | 19.5x | 1083.0x | 1.8x | 1.8x | 1.1x | 25.2x | -1057.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.22% | 10.71% | 9.53% | 9.69% | 10.22% | 10.66% | 9.81% | 11.21% | +152 bps | |
| Total Risk-Based Capital | 19.16% | 18.59% | 18.14% | 16.92% | 17.49% | 18.57% | 18.09% | 19.50% | +258 bps | |
| Equity / Assets | 9.32% | 6.56% | 7.20% | 7.45% | 8.96% | 7.88% | 8.36% | 10.25% | +280 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.33% | 55.89% | 58.65% | 62.67% | 70.86% | 56.15% | 60.49% | 72.77% | +1,010 bps | |
| Liquid Assets / Assets | 1.57% | 6.40% | 7.96% | 10.83% | 6.70% | 9.38% | 12.12% | 7.16% | -367 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 329% | 303% | 309% | n/a | n/a | |
Greensboro, GA · Cert 5709 · Peer group: banks under $1B in assets in GA (n=58-59) · Putnam-Greene Financial Corp.
State charter, non-member · FDIC · 3 affiliate banks · 1 branch (7 in holding)
Q2 2026
Return on Assets
1.19%
Rank 40 of 59
Net Interest Margin
3.79%
Rank 44 of 59
Efficiency Ratio
60.79%
Rank 32 of 59
Equity / Assets
10.25%
Rank 35 of 59
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.19% | 0.94% | 1.46% | 1.76% | Beats 32% | 40 / 59 | ||
| Return on Equity | 11.60% | 7.92% | 11.60% | 15.10% | Beats 49% | 30 / 59 | ||
| Net Interest Margin | 3.79% | 3.66% | 4.24% | 4.75% | Beats 25% | 44 / 59 | ||
| Efficiency Ratio | 60.79% | 51.87% | 60.25% | 70.24% | Beats 47% | 32 / 59 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.05% | 0.10% | 0.36% | 0.89% | Beats 84% | 10 / 58 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.05% | Beats 100% | 10 / 58 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.25% | 11.93% | 15.65% | 21.05% | Beats 61% | 23 / 59 | ||
| Total Risk-Based Capital Ratio | 19.50% | 12.05% | 15.77% | 22.26% | Beats 61% | 23 / 59 | ||
| Equity / Assets | 10.25% | 9.10% | 11.51% | 14.32% | Beats 41% | 35 / 59 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 72.77% | 59.62% | 72.81% | 85.44% | 48th pctl | 30 / 58 | ||
| Loans / Assets | 64.93% | 49.55% | 64.39% | 73.73% | 53rd pctl | 28 / 59 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||