Franklin, NC · Cert 57784
State charter, non-member · FDIC · 3 branches
Q2 2026
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 | 0.61% | 1.01% | 0.99% | 1.25% | 1.35% | 1.43% | 1.30% | 1.64% | +39 bps | |
| Return on Equity | 8.16% | 12.84% | 11.93% | 14.55% | 15.46% | 15.97% | 14.14% | 17.56% | +301 bps | |
| Net Interest Margin | 3.38% | 3.68% | 3.85% | 4.04% | 4.25% | 4.29% | 4.32% | 4.51% | +47 bps | |
| Efficiency Ratio | 78.10% | 67.78% | 71.19% | 66.91% | 64.33% | 64.70% | 67.73% | 59.88% | -703 bps | |
| Non-Interest Burden | 2.50% | 2.32% | 2.55% | 2.48% | 2.49% | 2.51% | 2.68% | 2.36% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.04% | -4.50% | -6.78% | -4.56% | -0.62% | 5.28% | 8.23% | 7.66% | +1,223 bps | |
| Loan Growth (YoY) | 12.58% | 5.37% | 2.20% | 3.78% | 2.64% | 3.63% | 4.77% | 1.83% | -195 bps | |
| Deposit Growth (YoY) | 5.81% | 1.19% | -3.78% | -2.57% | -1.91% | 4.17% | 7.66% | 6.66% | +923 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.27% | 0.26% | 0.42% | 0.40% | 0.37% | 0.36% | 0.37% | 0.32% | -8 bps | |
| Net Charge-Offs / Loans | 0.01% | -0.01% | -0.01% | -0.03% | 0.00% | 0.02% | 0.01% | -0.01% | +2 bps | |
| Allowance / Loans | 1.07% | 1.07% | 1.06% | 1.02% | 1.01% | 0.99% | 0.97% | 0.97% | -5 bps | |
| Allowance Coverage of NPLs | 4.0x | 4.1x | 2.5x | 2.6x | 2.7x | 2.7x | 2.7x | 3.1x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 6.96% | 7.32% | 7.91% | 8.18% | 8.28% | 8.56% | 9.11% | 9.43% | +125 bps | |
| Total Risk-Based Capital | 12.00% | 12.65% | 13.27% | 13.65% | 14.04% | 14.38% | 15.03% | 16.00% | +236 bps | |
| Equity / Assets | 7.55% | 8.16% | 8.52% | 8.67% | 8.74% | 9.12% | 9.20% | 9.53% | +86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.22% | 77.49% | 77.98% | 78.26% | 75.57% | 77.09% | 75.88% | 74.71% | -354 bps | |
| Liquid Assets / Assets | 24.26% | 19.92% | 19.35% | 18.02% | 17.80% | 14.21% | 14.68% | 16.36% | -166 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 334% | 316% | 309% | n/a | n/a | |