PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Robins Financial

Warner Robins, GA · Charter 68670

NCUA · 24 branches

Q2 2026

$5.0BAssets
$2.9BLoans
$4.1BShares
$875.5MNet Worth

Executive Summary

  • Earnings: ROA of 1.91%, up 26 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 0.40% of loans (+9 bps YoY).
  • Capital: net worth / assets of 17.61%, up 85 bps from a year ago.
  • Funding: loans stand at 70.62% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.91%+26 bps YoY

Net Interest Margin (YTD, annualized)

3.43%+7 bps YoY

Efficiency Ratio (YTD, annualized)

55.09%-279 bps YoY

Net Worth / Assets

17.61%+85 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.28%1.34%1.74%1.66%1.72%1.65%1.79%1.91%+26 bps
Return on Equity7.93%8.15%10.72%9.90%10.01%9.54%10.31%10.87%+98 bps
Net Interest Margin2.94%2.99%3.22%3.35%3.43%3.44%3.45%3.43%+7 bps
Efficiency Ratio62.37%61.71%56.53%57.88%57.75%59.09%56.73%55.09%-279 bps
Growth
Asset Growth (YoY)7.19%6.07%6.05%4.48%3.21%4.44%3.45%5.63%+115 bps
Loan Growth (YoY)5.99%5.71%8.11%6.11%5.23%4.63%4.03%4.28%-183 bps
Share Growth (YoY)6.21%7.05%5.10%2.87%1.08%1.65%1.35%4.14%+128 bps
Asset Quality
Delinquent Loans / Loans0.41%0.38%0.24%0.30%0.38%0.45%0.33%0.40%+9 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 Capital16.12%16.37%16.26%16.76%17.18%17.30%17.34%17.61%+85 bps
Net Worth / Assets16.12%16.37%16.26%16.76%17.18%17.30%17.34%17.61%+85 bps
Liquidity & Funding
Loans / Shares68.44%68.66%67.51%70.53%71.25%70.68%69.29%70.62%+9 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps