Mount Vernon, GA · Cert 8028 · Heart of GA Bancshares Inc.
State charter, non-member · FDIC · 1 affiliate bank · 5 branches (6 in holding)
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 1.10% | 1.44% | 1.46% | 1.39% | 1.29% | 0.98% | 1.00% | -46 bps | |
| Return on Equity | 20.47% | 21.21% | 25.47% | 25.73% | 23.65% | 21.30% | 14.48% | 14.37% | -1,136 bps | |
| Net Interest Margin | 3.33% | 3.43% | 4.15% | 4.26% | 4.28% | 4.31% | 4.35% | 4.24% | -2 bps | |
| Efficiency Ratio | 64.98% | 64.58% | 59.79% | 58.98% | 60.53% | 63.28% | 67.79% | 68.84% | +986 bps | |
| Non-Interest Burden | 1.97% | 2.04% | 2.32% | 2.34% | 2.43% | 2.58% | 2.82% | 2.81% | +46 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.29% | 8.96% | 1.26% | 3.24% | 6.20% | 2.64% | 3.68% | 12.85% | +961 bps | |
| Loan Growth (YoY) | 15.77% | 16.56% | 17.14% | 13.25% | 6.66% | 4.21% | 11.26% | 19.65% | +641 bps | |
| Deposit Growth (YoY) | 5.57% | 24.50% | 20.36% | 23.77% | 20.47% | 0.87% | 2.81% | 10.82% | -1,295 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.48% | 0.49% | 0.05% | 0.48% | 0.45% | 2.06% | 2.14% | 0.64% | +16 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.12% | 1.12% | 1.11% | 1.15% | 1.18% | 1.22% | 1.20% | 1.29% | +14 bps | |
| Allowance Coverage of NPLs | 2.3x | 2.3x | 23.4x | 2.4x | 2.6x | 0.6x | 0.6x | 2.0x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.25% | 9.31% | 9.57% | 9.73% | 9.88% | 9.94% | 9.97% | 10.26% | +52 bps | |
| Total Risk-Based Capital | 9.25% | 9.31% | 9.57% | 9.73% | 9.88% | 9.94% | 9.97% | 10.26% | +52 bps | |
| Equity / Assets | 6.14% | 5.42% | 5.87% | 5.72% | 6.41% | 6.93% | 6.59% | 7.23% | +151 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.93% | 68.42% | 68.74% | 66.65% | 67.23% | 70.69% | 74.39% | 71.96% | +531 bps | |
| Liquid Assets / Assets | 4.54% | 5.63% | 8.98% | 11.53% | 11.86% | 7.47% | 5.71% | 7.05% | -448 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 220% | 219% | 241% | n/a | n/a | |