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 (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 | 1.11% | 1.07% | 0.60% | 0.89% | 0.95% | 1.04% | 0.98% | 1.11% | +21 bps | |
| Return on Equity | 10.15% | 9.77% | 5.37% | 7.89% | 8.35% | 9.04% | 8.59% | 9.75% | +186 bps | |
| Net Interest Margin | 3.38% | 3.44% | 3.52% | 3.74% | 3.72% | 3.66% | 3.80% | 3.78% | +4 bps | |
| Efficiency Ratio | 60.83% | 62.30% | 76.78% | 67.02% | 65.48% | 63.74% | 66.07% | 62.18% | -484 bps | |
| Non-Interest Burden | 2.00% | 2.09% | 2.66% | 2.46% | 2.39% | 2.29% | 2.48% | 2.32% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.99% | 9.21% | 6.98% | 4.46% | 8.00% | 10.72% | 13.13% | 13.74% | +928 bps | |
| Loan Growth (YoY) | 14.85% | 9.51% | 12.72% | 7.23% | 13.82% | 12.64% | 17.72% | 19.72% | +1,249 bps | |
| Deposit Growth (YoY) | 12.51% | 9.13% | 6.27% | 4.91% | 9.34% | 12.04% | 15.09% | 15.67% | +1,077 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.06% | 0.06% | 0.05% | 0.05% | +5 bps | |
| Net Charge-Offs / Loans | -0.16% | -0.13% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.28% | 1.20% | 1.19% | 1.22% | 1.24% | 1.24% | 1.19% | 1.16% | -6 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 21.6x | 22.2x | 23.1x | 24.0x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.95% | 12.22% | 12.09% | 12.30% | 12.39% | 12.31% | 12.11% | 12.05% | -25 bps | |
| Total Risk-Based Capital | 16.37% | 16.34% | 15.92% | 16.22% | 16.18% | 16.14% | 15.28% | 12.05% | -416 bps | |
| Equity / Assets | 11.42% | 11.30% | 11.13% | 11.49% | 11.64% | 11.73% | 11.04% | 11.29% | -20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.48% | 81.15% | 80.09% | 83.31% | 82.73% | 81.59% | 81.92% | 86.22% | +292 bps | |
| Liquid Assets / Assets | 9.67% | 9.02% | 10.42% | 7.57% | 8.84% | 6.14% | 7.78% | 2.93% | -463 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 402% | 404% | 439% | n/a | n/a | |