Bainbridge, GA · Cert 57694 · Bainbridge Bancshares Inc.
National charter · OCC · 6 branches
Q2 2026
Market Position · Crestview-Fort Walton Beach-Destin, FL · 2026 SOD (annual) · 0.1% share · #27 of 28 inst. · $0.0B of $8.3B
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 | -0.30% | 0.06% | 0.01% | 0.28% | 0.40% | 0.00% | 0.32% | 0.21% | -7 bps | |
| Return on Equity | -4.68% | 0.98% | 0.18% | 4.54% | 6.40% | -0.02% | 5.16% | 3.25% | -129 bps | |
| Net Interest Margin | 2.62% | 2.61% | 2.89% | 3.11% | 3.18% | 3.19% | 3.27% | 3.34% | +23 bps | |
| Efficiency Ratio | 107.31% | 114.04% | 99.73% | 90.71% | 85.98% | 97.30% | 86.52% | 91.96% | +125 bps | |
| Non-Interest Burden | 2.84% | 3.02% | 2.88% | 2.79% | 2.67% | 3.10% | 2.78% | 3.04% | +25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.49% | 9.10% | 3.35% | 12.37% | 5.46% | 10.75% | 9.67% | 4.85% | -752 bps | |
| Loan Growth (YoY) | 6.77% | 12.77% | 13.21% | 15.38% | 14.06% | 11.47% | 12.59% | 11.71% | -367 bps | |
| Deposit Growth (YoY) | 6.03% | 8.97% | 2.47% | 12.47% | 5.25% | 11.15% | 10.16% | 3.83% | -864 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.47% | 0.59% | 0.48% | 0.48% | 0.47% | 0.44% | 0.43% | 0.36% | -12 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.02% | 0.13% | 0.12% | 0.02% | 0.10% | 0.08% | 0.01% | -11 bps | |
| Allowance / Loans | 1.09% | 1.12% | 1.06% | 0.99% | 0.99% | 0.95% | 0.93% | 0.92% | -7 bps | |
| Allowance Coverage of NPLs | 2.3x | 1.9x | 2.2x | 2.1x | 2.1x | 2.1x | 2.2x | 2.6x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.10% | 7.90% | 7.90% | 7.78% | 7.57% | 7.46% | 7.49% | 7.42% | -36 bps | |
| Total Risk-Based Capital | 12.22% | 11.77% | 11.81% | 11.15% | 11.90% | 10.71% | 10.86% | 10.99% | -16 bps | |
| Equity / Assets | 6.48% | 5.92% | 6.42% | 6.01% | 6.45% | 6.04% | 6.45% | 6.32% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.04% | 72.06% | 78.13% | 75.27% | 78.07% | 72.27% | 79.86% | 80.98% | +571 bps | |
| Liquid Assets / Assets | 5.30% | 5.11% | 1.75% | 4.65% | 2.90% | 8.84% | 2.98% | 2.20% | -245 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 351% | 362% | 376% | n/a | n/a | |