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 | |