Macon, GA · Cert 58584 · American Bcorp Inc.
State charter, non-member · FDIC · 1 affiliate bank · 6 branches (7 in holding)
Q2 2026
Market Position · Macon-Bibb County, GA · 2026 SOD (annual) · 8.5% share · #4 of 20 inst. · $0.5B of $5.6B
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 | 0.71% | 0.58% | 0.93% | 0.69% | 0.57% | 0.69% | 0.57% | 0.52% | -17 bps | |
| Return on Equity | 6.28% | 5.16% | 8.00% | 5.20% | 4.20% | 5.08% | 4.33% | 4.09% | -111 bps | |
| Net Interest Margin | 2.95% | 2.74% | 3.18% | 2.98% | 2.96% | 2.77% | 3.35% | 3.10% | +12 bps | |
| Efficiency Ratio | 72.59% | 74.07% | 71.12% | 71.19% | 66.80% | 60.97% | 75.33% | 76.70% | +551 bps | |
| Non-Interest Burden | 2.05% | 1.96% | 2.22% | 2.08% | 1.93% | 1.63% | 2.46% | 2.33% | +25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.94% | 26.01% | 36.59% | 61.58% | 78.20% | 85.43% | 65.05% | 86.84% | +2,526 bps | |
| Loan Growth (YoY) | 3.72% | 9.82% | 22.27% | 38.52% | 66.72% | 72.59% | 70.84% | 93.91% | +5,538 bps | |
| Deposit Growth (YoY) | 17.53% | 28.75% | 31.14% | 53.69% | 70.78% | 74.36% | 62.97% | 97.23% | +4,354 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.29% | 0.26% | 0.00% | 0.00% | 0.00% | 0.02% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.07% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | +1 bps | |
| Allowance / Loans | 1.27% | 1.28% | 1.26% | 1.27% | 1.34% | 1.36% | 1.28% | 1.03% | -24 bps | |
| Allowance Coverage of NPLs | 4.4x | 4.9x | 301.4x | 362.3x | 460.3x | 68.6x | 560.2x | 570.2x | +207.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.03% | 11.68% | 14.06% | 16.61% | 15.79% | 14.23% | 13.34% | 14.08% | -252 bps | |
| Total Risk-Based Capital | 13.03% | 11.68% | 14.06% | 16.61% | 15.79% | 14.23% | 13.34% | 14.08% | -252 bps | |
| Equity / Assets | 12.31% | 10.70% | 12.45% | 15.95% | 14.49% | 13.39% | 12.84% | 12.06% | -389 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.51% | 80.44% | 79.73% | 82.45% | 80.55% | 79.63% | 83.58% | 81.06% | -139 bps | |
| Liquid Assets / Assets | 11.22% | 1.57% | 4.49% | 4.06% | 4.78% | 3.10% | 2.15% | 2.10% | -196 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 425% | 461% | 501% | n/a | n/a | |