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 | |