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 | |