Columbus, GA · Cert 873
FDIC · 245 branches
Q4 2025
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2025 SOD (annual) · 5.8% share · #4 of 80 inst. · $14.3B of $246.0B
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 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.85% | 1.39% | 1.43% | 1.44% | 1.39% | +54 bps | |
| Return on Equity | 10.08% | 15.65% | 15.93% | 15.80% | 15.05% | +497 bps | |
| Net Interest Margin | 2.99% | 3.21% | 3.21% | 3.21% | 3.20% | +21 bps | |
| Efficiency Ratio | 52.41% | 49.44% | 49.66% | 49.78% | 50.41% | -200 bps | |
| Non-Interest Burden | 1.26% | 1.28% | 1.26% | 1.26% | 1.27% | +1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.73% | 0.82% | 2.42% | 1.46% | 1.80% | +108 bps | |
| Loan Growth (YoY) | -1.74% | -1.54% | 1.06% | 1.52% | 4.76% | +651 bps | |
| Deposit Growth (YoY) | 1.29% | 0.70% | 0.05% | -0.32% | -0.17% | -146 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.84% | 0.77% | 0.68% | 0.49% | 0.58% | -26 bps | |
| Net Charge-Offs / Loans | 0.31% | 0.20% | 0.18% | 0.17% | 0.18% | -14 bps | |
| Allowance / Loans | 1.14% | 1.12% | 1.06% | 1.07% | 1.07% | -7 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.5x | 1.6x | 2.2x | 1.8x | +0.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.44% | 9.78% | 9.83% | 9.95% | 9.84% | +40 bps | |
| Total Risk-Based Capital | 13.31% | 13.67% | 13.47% | 13.72% | 14.08% | +77 bps | |
| Equity / Assets | 8.61% | 9.17% | 9.20% | 9.58% | 9.52% | +91 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 82.11% | 82.98% | 86.05% | 86.87% | 86.16% | +406 bps | |
| Liquid Assets / Assets | 8.32% | 7.69% | 7.44% | 6.85% | 7.03% | -129 bps | |
| CRE / Total Capital | n/a | n/a | n/a | 331% | 331% | n/a | |