Douglas, GA · Cert 57230 · DNB Financial Services Inc.
National charter · OCC · 1 branch
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 | 2.40% | 2.36% | 2.28% | 2.43% | 2.51% | 2.57% | 2.75% | 2.76% | +33 bps | |
| Return on Equity | 27.90% | 28.15% | 29.00% | 29.92% | 29.50% | 29.16% | 28.89% | 28.70% | -122 bps | |
| Net Interest Margin | 4.59% | 4.12% | 4.45% | 4.66% | 4.87% | 4.95% | 5.13% | 5.06% | +40 bps | |
| Efficiency Ratio | 44.98% | 44.09% | 42.82% | 41.45% | 41.68% | 42.22% | 42.13% | 41.71% | +26 bps | |
| Non-Interest Burden | 1.48% | 1.30% | 1.43% | 1.44% | 1.50% | 1.51% | 1.61% | 1.53% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.76% | 27.85% | 15.51% | 15.49% | 6.66% | -8.52% | 1.50% | -1.14% | -1,663 bps | |
| Loan Growth (YoY) | 16.35% | 16.02% | 13.50% | 9.10% | 9.26% | 8.89% | 9.26% | 11.40% | +230 bps | |
| Deposit Growth (YoY) | -1.64% | 29.47% | 15.49% | 20.02% | 10.14% | -10.80% | 0.49% | -2.33% | -2,234 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.55% | 0.50% | 0.49% | 0.08% | 0.08% | 0.13% | 0.29% | 0.10% | +3 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.01% | 0.01% | 0.01% | 0.05% | 0.03% | +1 bps | |
| Allowance / Loans | 1.07% | 1.05% | 1.05% | 1.05% | 1.05% | 1.03% | 1.02% | 1.00% | -5 bps | |
| Allowance Coverage of NPLs | 2.0x | 2.1x | 2.1x | 14.0x | 12.8x | 7.9x | 3.6x | 9.7x | -4.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.43% | 9.56% | 9.15% | 9.68% | 10.39% | 10.95% | 9.93% | 10.33% | +65 bps | |
| Total Risk-Based Capital | 15.47% | 14.79% | 14.89% | 15.52% | 15.99% | 16.25% | 15.26% | 15.60% | +8 bps | |
| Equity / Assets | 9.12% | 7.58% | 8.20% | 8.65% | 9.81% | 9.92% | 9.16% | 9.76% | +111 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.51% | 66.81% | 74.06% | 75.06% | 82.85% | 81.56% | 80.52% | 85.61% | +1,055 bps | |
| Liquid Assets / Assets | 10.61% | 25.46% | 16.20% | 18.98% | 12.95% | 15.17% | 15.47% | 11.78% | -720 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 215% | 211% | 221% | n/a | n/a | |