Anniston, AL · Cert 58558
FDIC · 15 branches
Q2 2025
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2025 SOD (annual) · 0.4% share · #25 of 80 inst. · $0.9B of $246.0B
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 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.61% | 1.63% | 1.51% | 1.49% | 1.40% | 1.50% | 1.63% | 0.04% | -145 bps | |
| Return on Equity | 13.56% | 13.78% | 12.97% | 12.79% | 11.83% | 12.49% | 12.79% | 0.31% | -1,248 bps | |
| Net Interest Margin | 3.71% | 3.70% | 3.62% | 3.52% | 3.41% | 3.40% | 3.73% | 3.78% | +25 bps | |
| Efficiency Ratio | 43.94% | 42.58% | 41.85% | 43.71% | 45.17% | 44.19% | 41.04% | 72.71% | +2,900 bps | |
| Non-Interest Burden | 1.46% | 1.36% | 1.40% | 1.43% | 1.43% | 1.37% | 1.43% | 2.69% | +127 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.82% | 19.50% | 17.53% | 12.86% | 23.57% | 16.44% | 13.52% | 11.72% | -114 bps | |
| Loan Growth (YoY) | 16.33% | 18.68% | 19.29% | 17.41% | 23.86% | 18.14% | 15.04% | 14.98% | -243 bps | |
| Deposit Growth (YoY) | 9.00% | 16.84% | 17.55% | 12.82% | 25.80% | 19.07% | 14.59% | 13.33% | +51 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.06% | 0.06% | 0.18% | 0.19% | 0.36% | 0.29% | 0.32% | 0.45% | +26 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.03% | 0.10% | 0.08% | 0.07% | 0.04% | 0.04% | 0.66% | +58 bps | |
| Allowance / Loans | 1.25% | 1.29% | 1.28% | 1.28% | 1.28% | 1.27% | 1.28% | 0.96% | -32 bps | |
| Allowance Coverage of NPLs | 20.5x | 20.7x | 7.3x | 6.8x | 3.6x | 4.3x | 4.0x | 2.1x | -4.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.71% | 12.01% | 11.67% | 11.52% | 11.48% | 11.45% | 11.99% | 11.41% | -11 bps | |
| Total Risk-Based Capital | 13.67% | 13.45% | 13.63% | 13.77% | 13.59% | 14.18% | 14.55% | 13.88% | +11 bps | |
| Equity / Assets | 11.75% | 11.61% | 11.66% | 11.72% | 12.29% | 12.58% | 12.97% | 12.71% | +98 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.89% | 92.71% | 92.54% | 92.17% | 90.47% | 91.99% | 92.90% | 93.51% | +134 bps | |
| Liquid Assets / Assets | 5.36% | 6.31% | 5.95% | 6.22% | 7.12% | 6.09% | 5.16% | 10.41% | +419 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |