Rome, GA · Cert 58289 · RCB Financial Corp.
State charter, non-member · FDIC · 2 branches
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
42
Asset Quality
77
Profitability
86
Liquidity
71
Efficiency
78
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.
Rome, GA · Cert 58289 · RCB Financial Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Rome, GA · 2026 SOD (annual) · 13.5% share · #3 of 8 inst. · $0.3B of $2.4B
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 | 1.27% | 1.34% | 1.62% | 1.69% | 1.69% | 1.57% | 1.68% | 1.71% | +2 bps | |
| Return on Equity | 15.61% | 16.59% | 19.88% | 20.16% | 20.22% | 18.44% | 18.50% | 18.71% | -145 bps | |
| Net Interest Margin | 4.00% | 3.98% | 4.40% | 4.42% | 4.19% | 4.14% | 4.47% | 4.44% | +3 bps | |
| Efficiency Ratio | 63.61% | 62.67% | 56.41% | 55.66% | 57.48% | 61.38% | 57.75% | 56.69% | +103 bps | |
| Non-Interest Burden | 2.22% | 2.17% | 2.02% | 1.95% | 1.97% | 2.18% | 2.15% | 2.09% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 29.98% | 27.86% | 22.79% | 9.35% | 18.01% | 11.80% | 12.79% | 15.27% | +592 bps | |
| Loan Growth (YoY) | 30.60% | 29.05% | 26.89% | 19.38% | 19.61% | 15.26% | 15.15% | 16.28% | -311 bps | |
| Deposit Growth (YoY) | 30.63% | 28.92% | 23.45% | 8.72% | 18.03% | 10.64% | 12.00% | 14.76% | +604 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.03% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.01% | 0.04% | 0.01% | 0.01% | 0.00% | 0.01% | -0.01% | -3 bps | |
| Allowance / Loans | 1.40% | 1.38% | 1.36% | 1.39% | 1.36% | 1.34% | 1.29% | 1.30% | -9 bps | |
| Allowance Coverage of NPLs | 123.7x | 241.5x | n/a | n/a | n/a | 42.6x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.14% | 9.23% | 9.44% | 9.78% | 9.60% | 9.63% | 10.01% | 10.15% | +37 bps | |
| Total Risk-Based Capital | 13.48% | 13.82% | 13.54% | 13.79% | 13.93% | 14.19% | 14.16% | 14.60% | +81 bps | |
| Equity / Assets | 8.04% | 8.04% | 8.29% | 8.81% | 8.38% | 9.07% | 9.07% | 9.34% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.75% | 81.00% | 82.97% | 86.16% | 78.80% | 84.38% | 85.31% | 87.31% | +114 bps | |
| Liquid Assets / Assets | 14.18% | 11.42% | 10.30% | 7.68% | 15.37% | 10.52% | 10.40% | 9.01% | +133 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 452% | 434% | 436% | n/a | n/a | |
Rome, GA · Cert 58289 · Peer group: banks under $1B in assets (n=581-629) · RCB Financial Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
1.67%
Rank 118 of 629
Net Interest Margin
4.44%
Rank 75 of 629
Efficiency Ratio
56.69%
Rank 139 of 629
Equity / Assets
9.34%
Rank 445 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.67% | 0.60% | 1.01% | 1.45% | Beats 81% | 118 / 629 | ||
| Return on Equity | 17.89% | 5.38% | 9.30% | 13.28% | Beats 90% | 61 / 629 | ||
| Net Interest Margin | 4.44% | 3.03% | 3.54% | 4.05% | Beats 88% | 75 / 629 | ||
| Efficiency Ratio | 56.69% | 58.35% | 67.79% | 79.08% | Beats 78% | 139 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | ||
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 54% | 271 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.35% | 11.24% | 13.84% | 18.77% | Beats 46% | 337 / 629 | ||
| Total Risk-Based Capital Ratio | 14.60% | 11.58% | 14.43% | 19.66% | Beats 51% | 308 / 629 | ||
| Equity / Assets | 9.34% | 9.09% | 10.65% | 13.80% | Beats 29% | 445 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.31% | 67.24% | 80.90% | 93.48% | 63rd pctl | 219 / 594 | ||
| Loans / Assets | 78.54% | 53.31% | 67.71% | 78.15% | 76th pctl | 150 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||