PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Weyco Community

Plymouth, NC · Charter 66324

NCUA · 4 branches

Q2 2026

$115.5MAssets
$70.3MLoans
$103.6MShares
$11.5MNet Worth

Executive Summary

  • Earnings: ROA of 0.31%, down 2 bps year over year; NIM at 3.00%.
  • Asset quality: problem loans at 2.21% of loans (+3 bps YoY).
  • Capital: net worth / assets of 9.94%, down 16 bps from a year ago.
  • Funding: loans stand at 67.87% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.31%-2 bps YoY

Net Interest Margin (YTD, annualized)

3.00%+24 bps YoY

Efficiency Ratio (YTD, annualized)

85.96%+262 bps YoY

Net Worth / Assets

9.94%-16 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.36%0.19%0.26%0.33%0.34%0.21%0.24%0.31%-2 bps
Return on Equity3.42%1.88%2.60%3.28%3.36%2.07%2.43%3.16%-12 bps
Net Interest Margin2.65%2.59%2.67%2.77%2.85%2.92%2.96%3.00%+24 bps
Efficiency Ratio85.24%87.10%83.73%83.33%83.70%87.42%86.70%85.96%+262 bps
Growth
Asset Growth (YoY)9.59%13.40%8.88%6.99%5.69%1.87%2.62%3.72%-328 bps
Loan Growth (YoY)11.65%6.80%5.63%5.72%10.26%12.82%15.59%16.81%+1,109 bps
Share Growth (YoY)10.56%14.73%9.02%6.91%5.86%1.98%3.35%4.41%-250 bps
Asset Quality
Delinquent Loans / Loans2.43%2.18%2.20%2.18%2.11%3.20%2.28%2.21%+3 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 Capital10.53%10.15%9.97%10.10%10.15%10.17%9.92%9.94%-16 bps
Net Worth / Assets10.53%10.15%9.97%10.10%10.15%10.17%9.92%9.94%-16 bps
Liquidity & Funding
Loans / Shares61.16%59.86%58.86%60.66%63.70%66.23%65.83%67.87%+720 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps