Valdosta, GA · Cert 57127 · WB&T Bankshares Inc.
State charter, non-member · FDIC · 2 affiliate banks · 5 branches (8 in holding)
Q2 2026
Market Position · Valdosta, GA · 2026 SOD (annual) · 11.1% share · #3 of 16 inst. · $0.4B of $3.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.74% | 0.89% | 1.07% | 1.11% | 1.19% | 1.19% | 1.24% | 1.17% | +6 bps | |
| Return on Equity | 10.32% | 12.12% | 14.95% | 14.46% | 14.20% | 13.65% | 14.39% | 13.42% | -104 bps | |
| Net Interest Margin | 2.47% | 2.82% | 2.86% | 3.03% | 3.08% | 3.19% | 3.22% | 3.26% | +23 bps | |
| Efficiency Ratio | 64.83% | 64.20% | 56.97% | 58.75% | 56.58% | 57.49% | 55.19% | 57.82% | -94 bps | |
| Non-Interest Burden | 1.50% | 1.71% | 1.52% | 1.60% | 1.55% | 1.71% | 1.64% | 1.78% | +18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.93% | 2.79% | 5.40% | 0.36% | 1.32% | 3.53% | 1.76% | 5.50% | +514 bps | |
| Loan Growth (YoY) | 10.09% | 3.32% | 2.79% | -3.31% | -2.44% | -1.76% | -2.71% | 2.64% | +596 bps | |
| Deposit Growth (YoY) | 3.29% | 2.16% | 4.48% | 1.49% | 0.82% | 1.65% | -0.02% | 2.93% | +144 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.63% | 1.64% | 1.67% | 1.73% | 1.61% | 1.63% | 1.52% | 1.49% | -24 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | 0.00% | 0.08% | 0.00% | 0.00% | 0.05% | 0.00% | -8 bps | |
| Allowance / Loans | 1.49% | 1.50% | 1.54% | 1.58% | 1.57% | 1.55% | 1.60% | 1.56% | -3 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.9x | 0.9x | 0.9x | 1.0x | 1.0x | 1.0x | 1.0x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.58% | 10.48% | 10.49% | 11.02% | 11.47% | 11.06% | 11.24% | 11.55% | +53 bps | |
| Total Risk-Based Capital | 15.89% | 16.01% | 17.23% | 17.84% | 18.09% | 11.06% | 18.55% | 18.62% | +77 bps | |
| Equity / Assets | 7.80% | 6.89% | 7.44% | 7.95% | 8.80% | 8.59% | 8.69% | 8.81% | +86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.47% | 72.26% | 68.47% | 69.83% | 71.09% | 69.83% | 66.63% | 69.63% | -20 bps | |
| Liquid Assets / Assets | 3.38% | 3.76% | 6.80% | 4.62% | 4.30% | 4.97% | 6.33% | 4.10% | -52 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 345% | 354% | 322% | n/a | n/a | |