PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

North Georgia

Toccoa, GA · Charter 67395

NCUA · 5 branches

Q2 2026

$121.7MAssets
$89.3MLoans
$105.9MShares
$13.6MNet Worth

Executive Summary

  • Earnings: ROA of 0.58%, down 36 bps year over year; NIM at 4.44%.
  • Asset quality: problem loans at 0.39% of loans (-8 bps YoY).
  • Capital: net worth / assets of 11.15%, down 35 bps from a year ago.
  • Funding: loans stand at 84.24% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.58%-36 bps YoY

Net Interest Margin (YTD, annualized)

4.44%-15 bps YoY

Efficiency Ratio (YTD, annualized)

87.63%+667 bps YoY

Net Worth / Assets

11.15%-35 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.38%1.23%0.94%0.94%0.90%0.76%0.41%0.58%-36 bps
Return on Equity11.68%10.46%8.31%8.18%7.77%6.68%3.60%5.17%-300 bps
Net Interest Margin4.82%4.72%4.49%4.60%4.57%4.52%4.58%4.44%-15 bps
Efficiency Ratio75.50%77.29%80.29%80.97%81.31%83.70%90.41%87.63%+667 bps
Growth
Asset Growth (YoY)4.16%3.80%6.94%8.29%10.62%10.73%4.65%8.83%+54 bps
Loan Growth (YoY)8.85%7.11%5.72%8.74%8.60%8.47%7.62%4.67%-407 bps
Share Growth (YoY)2.42%2.57%6.48%7.70%11.46%8.93%4.83%9.31%+161 bps
Asset Quality
Delinquent Loans / Loans0.45%0.48%0.46%0.47%0.47%0.48%0.46%0.39%-8 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 Capital11.79%11.74%11.33%11.50%11.53%11.36%11.46%11.15%-35 bps
Net Worth / Assets11.79%11.74%11.33%11.50%11.53%11.36%11.46%11.15%-35 bps
Liquidity & Funding
Loans / Shares90.49%89.01%84.65%87.98%88.17%88.64%86.91%84.24%-374 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps