Greensboro, NC · Cert 59188
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Greensboro-High Point, NC · 2026 SOD (annual) · 2.6% share · #11 of 26 inst. · $0.4B of $16.7B
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 | -0.37% | -0.82% | 0.15% | 0.16% | 0.23% | 0.26% | 0.30% | 0.18% | +2 bps | |
| Return on Equity | -4.78% | -10.47% | 1.82% | 1.86% | 2.62% | 2.99% | 3.19% | 1.90% | +4 bps | |
| Net Interest Margin | 2.01% | 2.07% | 2.15% | 2.20% | 2.29% | 2.38% | 2.52% | 2.59% | +39 bps | |
| Efficiency Ratio | 107.96% | 103.60% | 99.20% | 95.74% | 93.13% | 91.14% | 87.24% | 88.37% | -737 bps | |
| Non-Interest Burden | 2.19% | 2.15% | 2.13% | 2.10% | 2.12% | 2.15% | 2.17% | 2.27% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.40% | 2.74% | -1.13% | 1.90% | -1.88% | 1.10% | 3.01% | 0.89% | -101 bps | |
| Loan Growth (YoY) | 12.97% | 11.83% | 4.23% | 6.75% | 6.19% | 7.19% | 8.95% | 5.95% | -80 bps | |
| Deposit Growth (YoY) | 5.59% | -1.09% | -5.01% | 6.40% | -5.04% | 2.67% | -3.61% | 0.89% | -551 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.40% | 0.00% | 0.00% | 0.65% | 0.64% | 0.54% | 1.61% | 1.38% | +73 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.27% | 0.12% | 0.06% | 0.04% | 0.13% | 0.04% | 0.16% | +10 bps | |
| Allowance / Loans | 1.23% | 1.09% | 1.02% | 0.92% | 0.93% | 0.86% | 0.85% | 0.85% | -7 bps | |
| Allowance Coverage of NPLs | 3.1x | n/a | n/a | 1.4x | 1.5x | 1.6x | 0.5x | 0.6x | -0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.91% | 10.52% | 10.67% | 10.76% | 10.84% | 10.95% | 10.86% | 10.86% | +9 bps | |
| Total Risk-Based Capital | 13.05% | 12.48% | 12.34% | 12.15% | 12.24% | 12.30% | 12.18% | 12.29% | +14 bps | |
| Equity / Assets | 8.41% | 8.04% | 8.66% | 8.69% | 9.39% | 9.52% | 9.43% | 9.48% | +80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.85% | 82.05% | 82.53% | 82.03% | 87.06% | 85.65% | 93.29% | 86.14% | +411 bps | |
| Liquid Assets / Assets | 7.09% | 5.38% | 4.59% | 5.12% | 4.05% | 5.30% | 4.61% | 5.08% | -5 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 470% | 473% | 466% | n/a | n/a | |