PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Rome Kraft Employees

Coosa, GA · Charter 60707

NCUA · 1 branch

Q2 2026

$23.0MAssets
$16.8MLoans
$17.3MShares
$5.7MNet Worth

Executive Summary

  • Earnings: ROA of 1.88%, up 65 bps year over year; NIM at 3.83%.
  • Asset quality: problem loans at 0.49% of loans (+5 bps YoY).
  • Capital: net worth / assets of 24.71%, up 245 bps from a year ago.
  • Funding: loans stand at 97.41% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.88%+65 bps YoY

Net Interest Margin (YTD, annualized)

3.83%+54 bps YoY

Efficiency Ratio (YTD, annualized)

53.47%-821 bps YoY

Net Worth / Assets

24.71%+245 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.92%0.97%1.18%1.23%1.42%1.41%1.95%1.88%+65 bps
Return on Equity3.96%4.04%4.93%5.51%5.97%5.84%7.99%7.61%+210 bps
Net Interest Margin3.30%3.44%3.70%3.29%3.47%3.54%3.78%3.83%+54 bps
Efficiency Ratio69.46%70.71%66.70%61.68%59.11%61.45%53.43%53.47%-821 bps
Growth
Asset Growth (YoY)-2.13%-0.79%-2.01%6.29%3.31%5.99%5.04%-3.29%-958 bps
Loan Growth (YoY)0.16%1.54%1.49%6.35%4.22%5.06%7.21%3.69%-266 bps
Share Growth (YoY)-3.82%-2.26%-3.83%6.68%2.56%5.97%4.45%-6.37%-1,305 bps
Asset Quality
Delinquent Loans / Loans0.29%0.70%0.43%0.43%0.18%0.19%0.21%0.49%+5 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital23.27%24.07%23.92%22.26%23.84%24.12%24.37%24.71%+245 bps
Net Worth / Assets23.27%24.07%23.92%22.26%23.84%24.12%24.37%24.71%+245 bps
Liquidity & Funding
Loans / Shares93.51%97.42%94.97%87.96%95.02%96.58%97.47%97.41%+945 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps