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 | |