Monroe, NC · Cert 59157
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Charlotte-Concord-Gastonia, NC-SC · 2026 SOD (annual) · 0.0% share · #29 of 47 inst. · $0.2B 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 | 1.40% | 1.29% | 1.04% | 1.14% | 1.24% | 1.31% | 1.40% | 1.45% | +32 bps | |
| Return on Equity | 12.17% | 11.33% | 9.28% | 9.97% | 10.70% | 11.32% | 12.60% | 12.65% | +268 bps | |
| Net Interest Margin | 4.18% | 4.10% | 4.39% | 4.42% | 4.37% | 4.29% | 4.41% | 4.45% | +3 bps | |
| Efficiency Ratio | 67.72% | 67.86% | 63.51% | 64.71% | 63.07% | 63.07% | 57.60% | 57.66% | -705 bps | |
| Non-Interest Burden | 2.75% | 2.70% | 2.69% | 2.78% | 2.66% | 2.61% | 2.44% | 2.47% | -30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.34% | 22.58% | 11.56% | 8.39% | 6.44% | 7.66% | 26.11% | 8.01% | -39 bps | |
| Loan Growth (YoY) | 23.50% | 20.54% | 19.38% | 14.63% | 23.25% | 19.27% | 14.57% | 17.77% | +315 bps | |
| Deposit Growth (YoY) | 22.83% | 24.43% | 11.38% | 7.57% | 5.79% | 6.08% | 28.46% | 7.63% | +5 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.01% | 1.00% | 1.02% | 1.00% | 1.00% | 0.98% | 0.99% | 0.99% | 0 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.93% | 12.67% | 13.09% | 13.12% | 12.90% | 12.44% | 12.22% | 12.27% | -85 bps | |
| Total Risk-Based Capital | 12.93% | 12.67% | 13.09% | 13.12% | 12.90% | 12.44% | 12.22% | 12.27% | -85 bps | |
| Equity / Assets | 11.57% | 10.81% | 11.64% | 11.73% | 12.02% | 11.73% | 10.55% | 12.30% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.11% | 74.40% | 83.20% | 83.65% | 87.51% | 83.65% | 74.21% | 91.53% | +788 bps | |
| Liquid Assets / Assets | 10.60% | 8.74% | 2.75% | 3.19% | 0.19% | 6.36% | 0.26% | 0.36% | -283 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 296% | 277% | 280% | n/a | n/a | |