Athens, GA · Cert 59219 · CCB Bcorp Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Athens-Clarke County, GA · 2026 SOD (annual) · 4.3% share · #8 of 19 inst. · $0.3B of $6.4B
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 | 1.97% | 2.07% | 2.09% | 2.09% | 2.11% | +13 bps | |
| Return on Equity | 17.88% | 18.57% | 18.90% | 19.46% | 19.50% | +162 bps | |
| Net Interest Margin | 4.50% | 4.53% | 4.39% | 4.63% | 4.50% | +1 bps | |
| Efficiency Ratio | 42.96% | 41.56% | 42.25% | 40.65% | 39.80% | -316 bps | |
| Non-Interest Burden | 1.82% | 1.77% | 1.74% | 1.77% | 1.68% | -14 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.75% | 8.16% | 28.43% | 20.53% | 24.81% | +1,107 bps | |
| Loan Growth (YoY) | 12.90% | 16.40% | 22.18% | 25.59% | 21.09% | +818 bps | |
| Deposit Growth (YoY) | 13.11% | 6.83% | 29.44% | 20.66% | 25.43% | +1,233 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 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 bps | |
| Allowance / Loans | 1.05% | 1.06% | 1.08% | 1.06% | 1.07% | +2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.28% | 11.51% | 11.32% | 11.20% | 11.04% | -24 bps | |
| Total Risk-Based Capital | 11.28% | 11.51% | 11.32% | 11.20% | 11.04% | -24 bps | |
| Equity / Assets | 11.17% | 11.53% | 10.69% | 10.81% | 10.88% | -29 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 75.93% | 78.02% | 71.85% | 71.54% | 73.30% | -263 bps | |
| Liquid Assets / Assets | 20.10% | 19.02% | 25.41% | 26.28% | 24.45% | +434 bps | |
| CRE / Total Capital | n/a | 332% | 330% | 305% | n/a | n/a | |