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 (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 | 0.90% | 0.73% | 0.93% | 0.95% | 1.11% | +21 bps | |
| Return on Equity | 12.28% | 8.93% | 11.10% | 11.71% | 12.07% | -21 bps | |
| Net Interest Margin | 2.97% | 3.14% | 3.29% | 3.34% | 3.85% | +88 bps | |
| Efficiency Ratio | 57.25% | 59.48% | 63.81% | 61.36% | 60.23% | +298 bps | |
| Non-Interest Burden | 1.66% | 1.82% | 2.06% | 2.00% | 2.28% | +63 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 14.82% | 12.94% | 1.91% | 2.96% | -13.26% | -2,809 bps | |
| Loan Growth (YoY) | 26.29% | 16.72% | 5.79% | 4.70% | -2.64% | -2,893 bps | |
| Deposit Growth (YoY) | 14.82% | 17.49% | 5.30% | 1.52% | -16.15% | -3,097 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.70% | 0.74% | 1.16% | 0.05% | +5 bps | |
| Net Charge-Offs / Loans | 0.22% | 0.00% | 0.00% | 0.00% | 0.00% | -22 bps | |
| Allowance / Loans | 1.10% | 1.24% | 1.30% | 1.29% | 1.36% | +27 bps | |
| Allowance Coverage of NPLs | 1083.0x | 1.8x | 1.8x | 1.1x | 25.2x | -1057.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.69% | 10.22% | 10.66% | 9.81% | 11.21% | +152 bps | |
| Total Risk-Based Capital | 16.92% | 17.49% | 18.57% | 18.09% | 19.50% | +258 bps | |
| Equity / Assets | 7.45% | 8.96% | 7.88% | 8.36% | 10.25% | +280 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.67% | 70.86% | 56.15% | 60.49% | 72.77% | +1,010 bps | |
| Liquid Assets / Assets | 10.83% | 6.70% | 9.38% | 12.12% | 7.16% | -367 bps | |
| CRE / Total Capital | n/a | 329% | 303% | 309% | n/a | n/a | |