Loganville, GA · Cert 57882
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 0.1% share · #50 of 81 inst. · $0.2B of $255.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.17% | 1.07% | 1.28% | 0.98% | 1.22% | +5 bps | |
| Return on Equity | 10.33% | 9.25% | 10.97% | 8.59% | 10.91% | +58 bps | |
| Net Interest Margin | 4.00% | 3.84% | 3.90% | 3.80% | 3.90% | -10 bps | |
| Efficiency Ratio | 58.50% | 62.53% | 58.95% | 66.07% | 58.53% | +3 bps | |
| Non-Interest Burden | 2.29% | 2.35% | 2.25% | 2.48% | 2.25% | -4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.46% | 8.00% | 10.72% | 13.13% | 13.74% | +928 bps | |
| Loan Growth (YoY) | 7.23% | 13.82% | 12.64% | 17.72% | 19.72% | +1,249 bps | |
| Deposit Growth (YoY) | 4.91% | 9.34% | 12.04% | 15.09% | 15.67% | +1,077 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.06% | 0.06% | 0.05% | 0.05% | +5 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.22% | 1.24% | 1.24% | 1.19% | 1.16% | -6 bps | |
| Allowance Coverage of NPLs | n/a | 21.6x | 22.2x | 23.1x | 24.0x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.30% | 12.39% | 12.31% | 12.11% | 12.05% | -25 bps | |
| Total Risk-Based Capital | 16.22% | 16.18% | 16.14% | 15.28% | 12.05% | -416 bps | |
| Equity / Assets | 11.49% | 11.64% | 11.73% | 11.04% | 11.29% | -20 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 83.31% | 82.73% | 81.59% | 81.92% | 86.22% | +292 bps | |
| Liquid Assets / Assets | 7.57% | 8.84% | 6.14% | 7.78% | 2.93% | -463 bps | |
| CRE / Total Capital | n/a | 402% | 404% | 439% | n/a | n/a | |