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 (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 | 1.36% | 1.45% | 1.86% | 1.87% | 1.93% | 1.99% | 2.17% | 2.21% | +34 bps | |
| Return on Equity | 12.08% | 12.98% | 16.95% | 17.10% | 17.63% | 18.31% | 20.32% | 20.48% | +337 bps | |
| Net Interest Margin | 3.51% | 3.52% | 3.85% | 3.87% | 3.89% | 3.74% | 4.11% | 4.08% | +21 bps | |
| Efficiency Ratio | 52.02% | 50.55% | 41.12% | 39.92% | 38.29% | 37.12% | 35.16% | 33.60% | -632 bps | |
| Non-Interest Burden | 1.67% | 1.62% | 1.41% | 1.37% | 1.31% | 1.21% | 1.26% | 1.19% | -18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.32% | 17.93% | 15.16% | 17.51% | 17.64% | 19.63% | 19.34% | 15.42% | -209 bps | |
| Loan Growth (YoY) | 17.03% | 21.29% | 17.06% | 18.09% | 22.63% | 20.55% | 21.98% | 16.22% | -187 bps | |
| Deposit Growth (YoY) | 12.69% | 17.58% | 15.39% | 15.74% | 17.29% | 21.07% | 20.15% | 17.75% | +201 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.01% | -0.01% | -0.01% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.96% | 0.95% | 0.95% | 0.95% | 0.94% | 0.95% | 0.95% | 0.94% | 0 bps | |
| Allowance Coverage of NPLs | 176.4x | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.03% | 11.98% | 12.08% | 11.96% | 11.98% | 11.57% | 11.44% | 11.78% | -18 bps | |
| Total Risk-Based Capital | 14.60% | 14.14% | 14.52% | 14.09% | 13.86% | 13.78% | 13.72% | 14.16% | +7 bps | |
| Equity / Assets | 11.17% | 10.88% | 11.05% | 10.87% | 10.94% | 10.76% | 10.57% | 11.08% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.31% | 98.19% | 95.08% | 98.72% | 99.65% | 97.78% | 96.53% | 97.44% | -129 bps | |
| Liquid Assets / Assets | 5.53% | 3.87% | 6.58% | 5.71% | 4.23% | 5.60% | 6.71% | 6.98% | +126 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 407% | 420% | 421% | n/a | n/a | |