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 | |