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 (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 | 1.37% | 1.51% | 1.43% | 1.63% | 1.60% | 1.72% | 1.58% | 1.70% | +7 bps | |
| Return on Equity | 15.36% | 16.84% | 16.43% | 18.62% | 17.72% | 18.61% | 17.30% | 18.94% | +32 bps | |
| Net Interest Margin | 3.86% | 4.04% | 4.01% | 4.13% | 4.25% | 4.40% | 4.28% | 4.17% | +4 bps | |
| Efficiency Ratio | 59.55% | 57.06% | 57.18% | 53.71% | 54.23% | 53.03% | 53.66% | 50.32% | -339 bps | |
| Non-Interest Burden | 2.10% | 2.10% | 2.10% | 2.00% | 2.06% | 2.10% | 2.09% | 1.87% | -13 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% | 0.02% | 0.00% | 0.02% | 0.11% | 0.19% | +16 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 | |