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 (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 | 0.70% | 0.75% | 1.07% | 1.10% | 1.13% | 1.14% | 1.24% | 1.21% | +11 bps | |
| Return on Equity | 10.31% | 11.01% | 14.95% | 14.79% | 14.48% | 14.39% | 14.39% | 13.92% | -87 bps | |
| Net Interest Margin | 2.42% | 2.50% | 2.86% | 2.99% | 3.05% | 3.02% | 3.22% | 3.25% | +26 bps | |
| Efficiency Ratio | 66.32% | 65.73% | 56.97% | 57.90% | 57.45% | 57.46% | 55.19% | 56.50% | -140 bps | |
| Non-Interest Burden | 1.51% | 1.55% | 1.52% | 1.59% | 1.59% | 1.59% | 1.64% | 1.72% | +13 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 | 0.11% | 0.08% | 0.00% | 0.04% | 0.03% | 0.02% | 0.05% | 0.03% | -2 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 | |