Lincolnton, GA · Cert 879 · Lincoln Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
83
Asset Quality
43
Profitability
90
Liquidity
22
Efficiency
83
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Lincolnton, GA · Cert 879 · Lincoln Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Augusta-Richmond County, GA-SC · 2026 SOD (annual) · 1.0% share · #16 of 25 inst. · $0.1B of $12.9B
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 | 1.97% | 1.90% | 2.14% | 2.19% | 2.25% | 2.28% | 1.94% | 2.10% | -9 bps | |
| Return on Equity | 15.51% | 15.35% | 18.51% | 18.67% | 18.47% | 18.42% | 14.64% | 15.76% | -291 bps | |
| Net Interest Margin | 5.27% | 5.13% | 5.02% | 5.19% | 5.28% | 5.23% | 5.01% | 5.00% | -19 bps | |
| Efficiency Ratio | 58.99% | 60.40% | 52.36% | 52.09% | 50.93% | 50.86% | 56.89% | 53.64% | +155 bps | |
| Non-Interest Burden | 2.80% | 2.82% | 2.32% | 2.41% | 2.37% | 2.34% | 2.57% | 2.38% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.74% | 8.14% | 8.25% | 7.76% | 3.13% | -0.47% | -0.20% | 1.21% | -655 bps | |
| Loan Growth (YoY) | -0.48% | -1.48% | 2.30% | 4.65% | 2.08% | 5.71% | 3.30% | 4.75% | +11 bps | |
| Deposit Growth (YoY) | 0.50% | 9.23% | 8.86% | 8.90% | 3.44% | -2.70% | -1.74% | -0.27% | -917 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.21% | 0.14% | 0.15% | 0.14% | 0.22% | 0.26% | 0.13% | 0.17% | +3 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.04% | 0.18% | 0.14% | 0.12% | 0.13% | 0.16% | 0.15% | +1 bps | |
| Allowance / Loans | 1.88% | 1.90% | 1.86% | 1.79% | 1.79% | 1.74% | 1.75% | 1.65% | -15 bps | |
| Allowance Coverage of NPLs | 9.0x | 13.2x | 12.8x | 13.3x | 8.1x | 6.8x | 13.6x | 9.8x | -3.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.86% | 14.40% | 14.66% | 15.10% | 16.01% | 15.45% | 15.91% | 15.44% | +35 bps | |
| Total Risk-Based Capital | 33.76% | 33.09% | 34.07% | 33.84% | 34.85% | 33.12% | 35.07% | 32.91% | -94 bps | |
| Equity / Assets | 13.60% | 11.21% | 11.88% | 12.12% | 13.58% | 13.24% | 13.29% | 13.40% | +128 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 55.36% | 49.97% | 49.62% | 52.96% | 54.64% | 54.28% | 52.17% | 55.63% | +267 bps | |
| Liquid Assets / Assets | 24.53% | 30.16% | 30.80% | 25.84% | 23.58% | 23.39% | 27.38% | 23.10% | -274 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 88.62% | 92.88% | 84.00% | n/a | n/a | |
Lincolnton, GA · Cert 879 · Peer group: banks under $1B in assets (n=581-629) · Lincoln Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
2.10%
Rank 71 of 629
Net Interest Margin
5.00%
Rank 26 of 629
Efficiency Ratio
53.64%
Rank 108 of 629
Equity / Assets
13.40%
Rank 175 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.10% | 0.60% | 1.01% | 1.45% | Beats 89% | 71 / 629 | ||
| Return on Equity | 15.65% | 5.38% | 9.30% | 13.28% | Beats 86% | 88 / 629 | ||
| Net Interest Margin | 5.00% | 3.03% | 3.54% | 4.05% | Beats 96% | 26 / 629 | ||
| Efficiency Ratio | 53.64% | 58.35% | 67.79% | 79.08% | Beats 83% | 108 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.17% | 0.09% | 0.46% | 1.20% | Beats 67% | 190 / 581 | ||
| Net Charge-Offs / Loans | 0.10% | n/a | 0.01% | 0.06% | Beats 19% | 469 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 31.65% | 11.24% | 13.84% | 18.77% | Beats 88% | 75 / 629 | ||
| Total Risk-Based Capital Ratio | 32.91% | 11.58% | 14.43% | 19.66% | Beats 88% | 75 / 629 | ||
| Equity / Assets | 13.40% | 9.09% | 10.65% | 13.80% | Beats 72% | 175 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 55.63% | 67.24% | 80.90% | 93.48% | 14th pctl | 510 / 594 | ||
| Loans / Assets | 47.89% | 53.31% | 67.71% | 78.15% | 20th pctl | 506 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||