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Letter portraitLegal landscapeQuarterYTD

First Carolina People's

Goldsboro, NC · Charter 62673

NCUA · 1 branch

Q2 2026

$33.3MAssets
$28.2MLoans
$30.3MShares
$2.9MNet Worth

Executive Summary

  • Earnings: ROA of -1.29%, down 80 bps year over year; NIM at 4.25%.
  • Asset quality: problem loans at 5.79% of loans (+191 bps YoY).
  • Capital: net worth / assets of 8.61%, down 68 bps from a year ago.
  • Funding: loans stand at 93.20% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

-1.29%-80 bps YoY

Net Interest Margin (quarter, annualized)

4.25%+16 bps YoY

Efficiency Ratio (quarter, annualized)

100.94%+275 bps YoY

Net Worth / Assets

8.61%-68 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.06%0.05%-0.67%-0.49%-0.63%-0.12%-2.07%-1.29%-80 bps
Return on Equity0.70%0.56%-7.80%-5.31%-7.02%-1.35%-23.96%-14.98%-967 bps
Net Interest Margin3.67%3.74%3.57%4.09%4.14%4.34%4.20%4.25%+16 bps
Efficiency Ratio95.64%94.43%103.44%98.18%98.71%95.58%99.60%100.94%+275 bps
Growth
Asset Growth (YoY)15.03%12.59%2.17%-6.71%-10.29%-9.28%-8.01%-0.67%+605 bps
Loan Growth (YoY)6.45%3.91%3.32%3.06%0.80%0.83%0.19%-0.02%-308 bps
Share Growth (YoY)17.10%14.05%2.85%-6.88%-10.66%-9.92%-8.15%0.35%+723 bps
Asset Quality
Delinquent Loans / Loans2.60%4.85%3.03%3.88%6.61%4.87%6.99%5.79%+191 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 Capital8.70%8.65%8.56%9.29%9.00%9.19%8.63%8.61%-68 bps
Net Worth / Assets8.70%8.65%8.56%9.29%9.00%9.19%8.63%8.61%-68 bps
Liquidity & Funding
Loans / Shares81.89%83.50%84.14%93.54%92.39%93.47%91.79%93.20%-34 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps