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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.74% | 1.75% | 1.18% | 1.68% | 1.74% | 0 bps | |
| Return on Equity | 20.39% | 20.38% | 13.58% | 18.50% | 18.90% | -148 bps | |
| Net Interest Margin | 4.48% | 4.31% | 4.38% | 4.47% | 4.56% | +7 bps | |
| Efficiency Ratio | 54.95% | 61.07% | 72.98% | 57.75% | 55.67% | +72 bps | |
| Non-Interest Burden | 1.91% | 2.25% | 3.00% | 2.15% | 2.10% | +19 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.35% | 18.01% | 11.80% | 12.79% | 15.27% | +592 bps | |
| Loan Growth (YoY) | 19.38% | 19.61% | 15.26% | 15.15% | 16.28% | -311 bps | |
| Deposit Growth (YoY) | 8.72% | 18.03% | 10.64% | 12.00% | 14.76% | +604 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.03% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | -0.02% | 0.01% | -0.03% | -2 bps | |
| Allowance / Loans | 1.39% | 1.36% | 1.34% | 1.29% | 1.30% | -9 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 42.6x | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.78% | 9.60% | 9.63% | 10.01% | 10.15% | +37 bps | |
| Total Risk-Based Capital | 13.79% | 13.93% | 14.19% | 14.16% | 14.60% | +81 bps | |
| Equity / Assets | 8.81% | 8.38% | 9.07% | 9.07% | 9.34% | +52 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.16% | 78.80% | 84.38% | 85.31% | 87.31% | +114 bps | |
| Liquid Assets / Assets | 7.68% | 15.37% | 10.52% | 10.40% | 9.01% | +133 bps | |
| CRE / Total Capital | n/a | 452% | 434% | 436% | n/a | n/a | |