Rocky Mount, NC · Cert 58239 · PB Financial Corp.
State charter, non-member · FDIC · 10 branches
Q2 2026
Market Position · Rocky Mount, NC · 2026 SOD (annual) · 20.9% share · #2 of 12 inst. · $0.8B of $3.9B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.67% | 1.74% | 1.79% | 1.76% | 1.80% | +13 bps | |
| Return on Equity | 13.90% | 14.33% | 14.60% | 13.95% | 14.35% | +46 bps | |
| Net Interest Margin | 3.71% | 3.75% | 3.81% | 3.98% | 3.86% | +15 bps | |
| Efficiency Ratio | 41.73% | 40.90% | 40.42% | 40.57% | 39.90% | -183 bps | |
| Non-Interest Burden | 1.53% | 1.51% | 1.50% | 1.58% | 1.51% | -2 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.22% | 8.29% | 6.65% | 7.75% | 8.04% | -318 bps | |
| Loan Growth (YoY) | 10.44% | 8.71% | 4.51% | 6.11% | 7.15% | -329 bps | |
| Deposit Growth (YoY) | 12.25% | 8.41% | 6.28% | 7.73% | 8.67% | -358 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.03% | 0.09% | 0.07% | 0.08% | 0.12% | +9 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.89% | 0.89% | 0.89% | 0.88% | 0.86% | -3 bps | |
| Allowance Coverage of NPLs | 26.6x | 10.2x | 12.0x | 11.6x | 7.2x | -19.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.78% | 11.87% | 12.28% | 12.47% | 12.21% | +43 bps | |
| Total Risk-Based Capital | 13.78% | 13.97% | 14.20% | 14.12% | 12.21% | -156 bps | |
| Equity / Assets | 11.89% | 12.46% | 12.77% | 12.47% | 12.32% | +42 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 98.85% | 99.91% | 99.30% | 97.87% | 97.47% | -138 bps | |
| Liquid Assets / Assets | 2.17% | 1.34% | 0.99% | 1.31% | 1.17% | -100 bps | |
| CRE / Total Capital | n/a | 558% | 543% | 542% | n/a | n/a | |