Duluth, GA · Cert 58657 · Promiseone Bcorp Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 0.2% share · #30 of 81 inst. · $0.6B of $255.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.24% | 1.14% | 1.08% | 1.10% | 1.17% | 1.29% | 1.13% | 1.24% | +15 bps | |
| Return on Equity | 14.09% | 13.58% | 13.75% | 13.77% | 14.52% | 15.75% | 13.97% | 14.89% | +113 bps | |
| Net Interest Margin | 2.73% | 2.90% | 2.87% | 3.12% | 3.08% | 3.03% | 2.95% | 3.14% | +3 bps | |
| Efficiency Ratio | 56.12% | 59.90% | 57.76% | 58.81% | 56.44% | 45.53% | 59.17% | 56.40% | -241 bps | |
| Non-Interest Burden | 1.20% | 1.48% | 1.40% | 1.56% | 1.51% | 0.58% | 1.51% | 1.50% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.33% | 13.45% | 10.09% | 13.96% | 13.84% | 3.15% | 5.55% | -0.31% | -1,427 bps | |
| Loan Growth (YoY) | 5.51% | 6.45% | 8.53% | 6.88% | 6.05% | 4.64% | 0.54% | 2.46% | -442 bps | |
| Deposit Growth (YoY) | 5.72% | 21.75% | 17.69% | 22.81% | 17.93% | 2.58% | 5.44% | -1.08% | -2,389 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.88% | 0.92% | 1.00% | 1.18% | 0.86% | 0.86% | 0.85% | 0.81% | -37 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.07% | 0.01% | 0.22% | 0.00% | 0.21% | 0.00% | -1 bps | |
| Allowance / Loans | 0.90% | 0.93% | 0.91% | 0.97% | 0.94% | 1.00% | 0.95% | 0.96% | -1 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.0x | 0.9x | 0.8x | 1.1x | 1.2x | 1.1x | 1.2x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.13% | 9.64% | 10.10% | 10.26% | 10.16% | 9.89% | 9.96% | 10.12% | -14 bps | |
| Total Risk-Based Capital | 18.14% | 17.35% | 17.00% | 17.06% | 17.09% | 16.74% | 16.83% | 16.82% | -24 bps | |
| Equity / Assets | 9.10% | 7.70% | 8.06% | 7.88% | 8.28% | 8.10% | 8.15% | 8.58% | +69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.41% | 79.12% | 83.79% | 81.62% | 82.20% | 80.70% | 79.90% | 84.54% | +292 bps | |
| Liquid Assets / Assets | 6.13% | 15.69% | 10.99% | 12.90% | 13.66% | 17.56% | 18.40% | 14.71% | +180 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 354% | 374% | 372% | n/a | n/a | |