Soperton, GA · Cert 889 · Soperton Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
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 | 1.55% | 1.51% | 1.31% | 1.60% | 1.65% | 1.63% | 1.47% | 1.54% | -7 bps | |
| Return on Equity | 16.88% | 16.50% | 14.64% | 17.58% | 17.71% | 17.36% | 15.27% | 15.67% | -191 bps | |
| Net Interest Margin | 4.97% | 4.86% | 5.02% | 5.00% | 5.24% | 5.02% | 4.97% | 4.77% | -22 bps | |
| Efficiency Ratio | 58.99% | 59.48% | 62.06% | 57.67% | 57.02% | 57.21% | 59.37% | 59.85% | +218 bps | |
| Non-Interest Burden | 2.73% | 2.71% | 2.95% | 2.70% | 2.79% | 2.68% | 2.75% | 2.67% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.98% | 19.08% | 25.46% | 24.66% | 21.52% | 20.29% | 16.21% | 13.91% | -1,075 bps | |
| Loan Growth (YoY) | 12.15% | 9.82% | 10.18% | 19.33% | 25.80% | 27.91% | 28.98% | 20.70% | +137 bps | |
| Deposit Growth (YoY) | 7.48% | 19.80% | 25.54% | 24.54% | 22.92% | 19.64% | 15.44% | 13.12% | -1,142 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.87% | 0.90% | 0.89% | 0.82% | 0.64% | 0.63% | 0.07% | 0.07% | -75 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.14% | 0.04% | 0.05% | 0.19% | 0.17% | -0.01% | 0.00% | -5 bps | |
| Allowance / Loans | 1.57% | 1.66% | 1.74% | 1.64% | 1.54% | 1.61% | 1.68% | 1.65% | +1 bps | |
| Allowance Coverage of NPLs | 1.8x | 1.9x | 2.0x | 2.0x | 2.4x | 2.6x | 23.7x | 22.0x | +20.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.52% | 9.36% | 9.37% | 9.23% | 9.86% | 9.76% | 9.67% | 9.52% | +29 bps | |
| Total Risk-Based Capital | 13.67% | 13.64% | 14.47% | 13.73% | 13.54% | 14.12% | 14.75% | 14.91% | +118 bps | |
| Equity / Assets | 9.30% | 9.00% | 8.95% | 9.42% | 9.81% | 9.61% | 9.65% | 10.14% | +72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.59% | 84.61% | 78.24% | 88.69% | 94.76% | 90.46% | 87.41% | 94.63% | +595 bps | |
| Liquid Assets / Assets | 10.90% | 15.51% | 21.79% | 12.85% | 8.24% | 12.05% | 15.44% | 9.41% | -343 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 274% | 273% | 281% | n/a | n/a | |