Mooresville, NC · Cert 58691
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Charlotte-Concord-Gastonia, NC-SC · 2026 SOD (annual) · 0.1% share · #18 of 47 inst. · $0.5B of $432.7B
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 | 1.88% | 2.04% | 2.19% | 2.17% | 2.25% | +37 bps | |
| Return on Equity | 17.20% | 18.74% | 20.17% | 20.32% | 20.79% | +359 bps | |
| Net Interest Margin | 4.02% | 4.25% | 4.12% | 4.11% | 4.15% | +13 bps | |
| Efficiency Ratio | 38.81% | 35.43% | 34.03% | 35.16% | 32.09% | -672 bps | |
| Non-Interest Burden | 1.37% | 1.31% | 1.20% | 1.26% | 1.14% | -23 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 17.51% | 17.64% | 19.63% | 19.34% | 15.42% | -209 bps | |
| Loan Growth (YoY) | 18.09% | 22.63% | 20.55% | 21.98% | 16.22% | -187 bps | |
| Deposit Growth (YoY) | 15.74% | 17.29% | 21.07% | 20.15% | 17.75% | +201 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | 0.00% | 0.00% | -0.01% | 0 bps | |
| Allowance / Loans | 0.95% | 0.94% | 0.95% | 0.95% | 0.94% | 0 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.96% | 11.98% | 11.57% | 11.44% | 11.78% | -18 bps | |
| Total Risk-Based Capital | 14.09% | 13.86% | 13.78% | 13.72% | 14.16% | +7 bps | |
| Equity / Assets | 10.87% | 10.94% | 10.76% | 10.57% | 11.08% | +21 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 98.72% | 99.65% | 97.78% | 96.53% | 97.44% | -129 bps | |
| Liquid Assets / Assets | 5.71% | 4.23% | 5.60% | 6.71% | 6.98% | +126 bps | |
| CRE / Total Capital | n/a | 407% | 420% | 421% | n/a | n/a | |