Franklin, NC · Cert 57784
State charter, non-member · FDIC · 3 branches
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.12% | 1.19% | 1.26% | 1.30% | 1.47% | +35 bps | |
| Return on Equity | 13.27% | 14.00% | 14.52% | 14.14% | 15.86% | +259 bps | |
| Net Interest Margin | 3.91% | 3.92% | 3.94% | 4.32% | 4.36% | +45 bps | |
| Efficiency Ratio | 68.98% | 67.30% | 66.58% | 67.73% | 63.64% | -534 bps | |
| Non-Interest Burden | 2.50% | 2.43% | 2.41% | 2.68% | 2.49% | 0 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.56% | -0.62% | 5.28% | 8.23% | 7.66% | +1,223 bps | |
| Loan Growth (YoY) | 3.78% | 2.64% | 3.63% | 4.77% | 1.83% | -195 bps | |
| Deposit Growth (YoY) | -2.57% | -1.91% | 4.17% | 7.66% | 6.66% | +923 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.40% | 0.37% | 0.36% | 0.37% | 0.32% | -8 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.01% | -0.01% | 0.01% | 0.00% | +2 bps | |
| Allowance / Loans | 1.02% | 1.01% | 0.99% | 0.97% | 0.97% | -5 bps | |
| Allowance Coverage of NPLs | 2.6x | 2.7x | 2.7x | 2.7x | 3.1x | +0.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.18% | 8.28% | 8.56% | 9.11% | 9.43% | +125 bps | |
| Total Risk-Based Capital | 13.65% | 14.04% | 14.38% | 15.03% | 16.00% | +236 bps | |
| Equity / Assets | 8.67% | 8.74% | 9.12% | 9.20% | 9.53% | +86 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.26% | 75.57% | 77.09% | 75.88% | 74.71% | -354 bps | |
| Liquid Assets / Assets | 18.02% | 17.80% | 14.21% | 14.68% | 16.36% | -166 bps | |
| CRE / Total Capital | n/a | 334% | 316% | 309% | n/a | n/a | |