Johns Creek, GA · Cert 59182
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 0.1% share · #52 of 81 inst. · $0.2B of $255.1B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.56% | 0.59% | 0.43% | 0.56% | 0.26% | -30 bps | |
| Return on Equity | 4.78% | 5.14% | 3.81% | 5.23% | 2.42% | -236 bps | |
| Net Interest Margin | 2.40% | 2.41% | 2.29% | 2.60% | 2.78% | +37 bps | |
| Efficiency Ratio | 74.67% | 71.88% | 78.39% | 80.13% | 88.16% | +1,349 bps | |
| Non-Interest Burden | 1.53% | 1.41% | 1.58% | 1.93% | 2.34% | +81 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.77% | 16.81% | 26.22% | 11.07% | 9.26% | +49 bps | |
| Loan Growth (YoY) | 21.85% | 22.09% | 15.49% | 12.20% | 11.40% | -1,044 bps | |
| Deposit Growth (YoY) | 18.48% | 29.99% | 34.57% | 12.30% | 9.99% | -849 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.12% | 1.05% | 0.60% | 0.17% | 0.25% | +13 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.07% | 1.17% | 1.18% | 1.07% | 1.11% | +3 bps | |
| Allowance Coverage of NPLs | 9.3x | 1.1x | 2.0x | 6.3x | 4.5x | -4.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.46% | 11.30% | 10.47% | 10.62% | 10.77% | -69 bps | |
| Total Risk-Based Capital | 17.75% | 17.50% | 16.80% | 17.12% | 17.09% | -67 bps | |
| Equity / Assets | 11.33% | 10.74% | 10.35% | 10.89% | 10.78% | -55 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 94.61% | 87.72% | 86.45% | 92.73% | 95.83% | +122 bps | |
| Liquid Assets / Assets | 15.71% | 19.25% | 20.65% | 16.78% | 14.61% | -110 bps | |
| CRE / Total Capital | n/a | 375% | 379% | 372% | n/a | n/a | |