Meridian, MS · Cert 8552 · Great Southern Capital Corp.
State charter, Fed member · FED · 11 branches
Q2 2026
Market Position · Hattiesburg, MS · 2026 SOD (annual) · 0.8% share · #16 of 20 inst. · $0.0B of $4.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.38% | 0.49% | 0.56% | 0.50% | 0.56% | +17 bps | |
| Return on Equity | 5.47% | 6.57% | 7.04% | 6.39% | 7.36% | +189 bps | |
| Net Interest Margin | 2.67% | 2.91% | 3.07% | 3.02% | 3.10% | +43 bps | |
| Efficiency Ratio | 86.67% | 83.73% | 82.32% | 83.84% | 81.29% | -538 bps | |
| Non-Interest Burden | 2.19% | 2.31% | 2.38% | 2.40% | 2.41% | +21 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.91% | -9.29% | -1.96% | 0.85% | 6.63% | +1,453 bps | |
| Loan Growth (YoY) | -1.87% | 1.05% | 8.30% | 7.78% | 3.84% | +571 bps | |
| Deposit Growth (YoY) | -1.28% | -2.21% | -1.12% | -1.54% | 1.41% | +270 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.45% | 0.63% | 0.66% | 0.58% | 0.67% | +22 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | 0.02% | 0.01% | 0.03% | +3 bps | |
| Allowance / Loans | 0.68% | 0.67% | 0.65% | 0.65% | 0.65% | -4 bps | |
| Allowance Coverage of NPLs | 1.5x | 1.1x | 1.0x | 1.1x | 1.0x | -0.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.61% | 9.72% | 9.83% | 9.69% | 9.49% | -12 bps | |
| Total Risk-Based Capital | 20.61% | 20.92% | 20.71% | 21.02% | 21.09% | +48 bps | |
| Equity / Assets | 7.18% | 7.81% | 7.99% | 7.64% | 7.46% | +28 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 44.99% | 47.00% | 47.87% | 46.69% | 46.06% | +108 bps | |
| Liquid Assets / Assets | 23.10% | 23.69% | 23.06% | 24.87% | 30.04% | +694 bps | |
| CRE / Total Capital | n/a | 98.13% | 96.25% | 93.92% | n/a | n/a | |