Albany, GA · Cert 58074 · Flint Community Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
37
Asset Quality
18
Profitability
82
Liquidity
58
Efficiency
87
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Albany, GA · Cert 58074 · Flint Community Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Albany, GA · 2026 SOD (annual) · 9.4% share · #5 of 15 inst. · $0.3B of $3.3B
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 | 1.24% | 1.31% | 1.43% | 1.54% | 1.56% | 1.61% | 1.58% | 1.65% | +11 bps | |
| Return on Equity | 14.18% | 14.88% | 16.43% | 17.51% | 17.58% | 17.89% | 17.30% | 18.11% | +59 bps | |
| Net Interest Margin | 3.73% | 3.79% | 4.01% | 4.01% | 4.13% | 4.14% | 4.28% | 4.11% | +11 bps | |
| Efficiency Ratio | 61.96% | 60.66% | 57.18% | 55.39% | 54.99% | 54.47% | 53.66% | 51.96% | -343 bps | |
| Non-Interest Burden | 2.12% | 2.11% | 2.10% | 2.02% | 2.05% | 2.04% | 2.09% | 1.93% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.50% | 2.99% | 7.18% | 7.61% | 7.59% | 5.03% | 4.64% | 7.88% | +27 bps | |
| Loan Growth (YoY) | 1.59% | 6.03% | 5.72% | 5.75% | 4.71% | 2.19% | 1.11% | 1.49% | -426 bps | |
| Deposit Growth (YoY) | -5.65% | -2.68% | 2.31% | 4.75% | 8.61% | 8.09% | 8.08% | 10.46% | +571 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.00% | 1.80% | 1.71% | 1.70% | 1.89% | 1.83% | 2.05% | 2.05% | +34 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.00% | 0.01% | 0.01% | 0.01% | 0.11% | 0.15% | +14 bps | |
| Allowance / Loans | 1.28% | 1.24% | 1.25% | 1.27% | 1.32% | 1.33% | 1.34% | 1.34% | +7 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.7x | 0.7x | 0.7x | 0.7x | 0.7x | 0.7x | 0.7x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.90% | 9.04% | 8.87% | 8.81% | 9.16% | 9.24% | 9.36% | 9.06% | +25 bps | |
| Total Risk-Based Capital | 12.85% | 12.51% | 12.63% | 13.01% | 13.44% | 13.55% | 13.75% | 13.97% | +96 bps | |
| Equity / Assets | 8.99% | 8.91% | 8.55% | 8.92% | 9.16% | 9.36% | 8.96% | 9.00% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.18% | 104.97% | 98.40% | 98.06% | 96.58% | 99.24% | 92.06% | 90.10% | -797 bps | |
| Liquid Assets / Assets | 5.91% | 4.69% | 9.09% | 8.74% | 8.74% | 7.00% | 12.45% | 13.91% | +517 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 362% | 359% | 348% | n/a | n/a | |
Albany, GA · Cert 58074 · Peer group: banks under $1B in assets (n=581-629) · Flint Community Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
1.60%
Rank 131 of 629
Net Interest Margin
4.11%
Rank 139 of 629
Efficiency Ratio
51.96%
Rank 85 of 629
Equity / Assets
9.00%
Rank 481 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.60% | 0.60% | 1.01% | 1.45% | Beats 79% | 131 / 629 | ||
| Return on Equity | 17.80% | 5.38% | 9.30% | 13.28% | Beats 90% | 62 / 629 | ||
| Net Interest Margin | 4.11% | 3.03% | 3.54% | 4.05% | Beats 78% | 139 / 629 | ||
| Efficiency Ratio | 51.96% | 58.35% | 67.79% | 79.08% | Beats 87% | 85 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.05% | 0.09% | 0.46% | 1.20% | Beats 13% | 507 / 581 | ||
| Net Charge-Offs / Loans | 0.08% | n/a | 0.01% | 0.06% | Beats 23% | 451 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.72% | 11.24% | 13.84% | 18.77% | Beats 40% | 375 / 629 | ||
| Total Risk-Based Capital Ratio | 13.97% | 11.58% | 14.43% | 19.66% | Beats 46% | 339 / 629 | ||
| Equity / Assets | 9.00% | 9.09% | 10.65% | 13.80% | Beats 24% | 481 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.10% | 67.24% | 80.90% | 93.48% | 69th pctl | 182 / 594 | ||
| Loans / Assets | 78.32% | 53.31% | 67.71% | 78.15% | 75th pctl | 155 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||