Lakeland, GA · Cert 5716 · Lowndes Bancshares Inc.
State charter, non-member · FDIC · 6 branches
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
7
Asset Quality
11
Profitability
69
Liquidity
71
Efficiency
86
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.
Lakeland, GA · Cert 5716 · Lowndes Bancshares Inc.
State charter, non-member · FDIC · 2 affiliate banks · 6 branches (12 in holding)
Q2 2026
Market Position · Valdosta, GA · 2026 SOD (annual) · 9.8% share · #4 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 | 1.28% | 0.74% | 1.46% | 1.48% | 1.58% | 1.55% | 1.59% | 1.63% | +15 bps | |
| Return on Equity | 15.59% | 9.21% | 18.83% | 18.72% | 19.51% | 18.80% | 17.98% | 18.63% | -9 bps | |
| Net Interest Margin | 4.48% | 4.19% | 4.47% | 4.51% | 4.44% | 4.51% | 4.44% | 4.42% | -9 bps | |
| Efficiency Ratio | 62.26% | 73.88% | 55.00% | 54.87% | 52.16% | 53.85% | 49.94% | 48.07% | -679 bps | |
| Non-Interest Burden | 2.65% | 3.00% | 2.33% | 2.37% | 2.06% | 2.22% | 2.09% | 2.00% | -37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.71% | 13.72% | 10.47% | 9.49% | 9.31% | 3.76% | 7.44% | 13.33% | +385 bps | |
| Loan Growth (YoY) | 9.99% | 11.47% | 13.55% | 13.55% | 8.33% | 13.76% | 11.16% | 7.46% | -609 bps | |
| Deposit Growth (YoY) | 1.71% | 15.35% | 10.49% | 12.12% | 13.87% | -0.65% | 4.68% | 12.79% | +67 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.96% | 3.21% | 2.85% | 2.76% | 1.83% | 1.82% | 2.22% | 1.86% | -91 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.11% | 0.25% | 0.19% | 0.31% | 0.35% | 0.24% | 0.22% | +2 bps | |
| Allowance / Loans | 1.08% | 1.25% | 1.20% | 1.17% | 1.27% | 1.17% | 1.17% | 1.24% | +7 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.4x | 0.4x | 0.4x | 0.7x | 0.6x | 0.5x | 0.7x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.75% | 9.14% | 9.26% | 9.47% | 9.56% | 9.97% | 9.92% | 9.74% | +26 bps | |
| Total Risk-Based Capital | 9.75% | 9.14% | 9.26% | 9.47% | 9.56% | 9.97% | 9.92% | 9.74% | +26 bps | |
| Equity / Assets | 8.64% | 7.55% | 8.01% | 8.16% | 8.57% | 8.90% | 8.84% | 8.58% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.47% | 78.10% | 80.73% | 83.04% | 82.25% | 89.43% | 85.73% | 79.12% | -392 bps | |
| Liquid Assets / Assets | 5.60% | 10.50% | 8.48% | 6.87% | 7.73% | 4.38% | 7.84% | 13.58% | +671 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 361% | 397% | 406% | n/a | n/a | |
Lakeland, GA · Cert 5716 · Peer group: banks under $1B in assets in GA (n=58-59) · Lowndes Bancshares Inc.
State charter, non-member · FDIC · 2 affiliate banks · 6 branches (12 in holding)
Q2 2026
Return on Assets
1.53%
Rank 25 of 59
Net Interest Margin
4.42%
Rank 25 of 59
Efficiency Ratio
48.07%
Rank 9 of 59
Equity / Assets
8.58%
Rank 51 of 59
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.53% | 0.94% | 1.46% | 1.76% | Beats 58% | 25 / 59 | ||
| Return on Equity | 17.85% | 7.92% | 11.60% | 15.10% | Beats 92% | 5 / 59 | ||
| Net Interest Margin | 4.42% | 3.66% | 4.24% | 4.75% | Beats 58% | 25 / 59 | ||
| Efficiency Ratio | 48.07% | 51.87% | 60.25% | 70.24% | Beats 86% | 9 / 59 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.86% | 0.10% | 0.36% | 0.89% | Beats 12% | 52 / 58 | ||
| Net Charge-Offs / Loans | 0.12% | 0.00% | 0.02% | 0.05% | Beats 10% | 53 / 58 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.74% | 11.93% | 15.65% | 21.05% | Beats 3% | 57 / 59 | ||
| Total Risk-Based Capital Ratio | 9.74% | 12.05% | 15.77% | 22.26% | Beats 3% | 57 / 59 | ||
| Equity / Assets | 8.58% | 9.10% | 11.51% | 14.32% | Beats 14% | 51 / 59 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 79.12% | 59.62% | 72.81% | 85.44% | 60th pctl | 23 / 58 | ||
| Loans / Assets | 72.03% | 49.55% | 64.39% | 73.73% | 73rd pctl | 16 / 59 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||