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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.84% | -0.09% | 1.27% | 1.39% | 1.39% | 1.48% | 1.46% | 1.22% | -16 bps | |
| Return on Equity | 10.24% | -1.12% | 14.82% | 15.83% | 15.65% | 16.07% | 15.57% | 12.79% | -304 bps | |
| Net Interest Margin | 2.84% | 2.98% | 3.03% | 3.18% | 3.21% | 3.20% | 3.25% | 3.27% | +9 bps | |
| Efficiency Ratio | 57.62% | 51.36% | 51.61% | 49.47% | 49.44% | 49.88% | 50.00% | 52.23% | +275 bps | |
| Non-Interest Burden | 1.38% | 1.20% | 1.25% | 1.24% | 1.28% | 1.24% | 1.26% | 1.34% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.26% | -1.76% | 0.42% | 0.73% | 0.82% | 2.42% | 1.46% | 1.80% | +108 bps | |
| Loan Growth (YoY) | -2.85% | -3.64% | -1.15% | -1.74% | -1.54% | 1.06% | 1.52% | 4.76% | +651 bps | |
| Deposit Growth (YoY) | 1.35% | 0.21% | -0.30% | 1.29% | 0.70% | 0.05% | -0.32% | -0.17% | -146 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.82% | 0.60% | 0.73% | 0.84% | 0.77% | 0.68% | 0.49% | 0.58% | -26 bps | |
| Net Charge-Offs / Loans | 0.41% | 0.32% | 0.25% | 0.26% | 0.20% | 0.17% | 0.14% | 0.21% | -5 bps | |
| Allowance / Loans | 1.13% | 1.12% | 1.12% | 1.14% | 1.12% | 1.06% | 1.07% | 1.07% | -7 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.9x | 1.5x | 1.4x | 1.5x | 1.6x | 2.2x | 1.8x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.32% | 9.23% | 9.43% | 9.44% | 9.78% | 9.83% | 9.95% | 9.84% | +40 bps | |
| Total Risk-Based Capital | 12.52% | 12.95% | 13.08% | 13.31% | 13.67% | 13.47% | 13.72% | 14.08% | +77 bps | |
| Equity / Assets | 8.11% | 8.29% | 8.88% | 8.61% | 9.17% | 9.20% | 9.58% | 9.52% | +91 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.88% | 85.20% | 85.29% | 82.11% | 82.98% | 86.05% | 86.87% | 86.16% | +406 bps | |
| Liquid Assets / Assets | 3.08% | 7.33% | 6.59% | 8.32% | 7.69% | 7.44% | 6.85% | 7.03% | -129 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | 331% | 331% | n/a | |