Eatonton, GA · Cert 9069 · Putnam-Greene Financial Corp.
State charter, non-member · FDIC · 3 affiliate banks · 2 branches (7 in holding)
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 | 0.59% | 0.63% | 0.29% | 0.60% | 0.64% | 0.63% | 0.37% | 0.55% | -5 bps | |
| Return on Equity | 8.13% | 8.83% | 4.19% | 8.40% | 8.42% | 8.10% | 4.03% | 5.81% | -259 bps | |
| Net Interest Margin | 2.29% | 2.17% | 2.24% | 2.48% | 2.63% | 2.74% | 2.61% | 2.77% | +29 bps | |
| Efficiency Ratio | 71.28% | 69.62% | 82.77% | 70.55% | 66.51% | 66.53% | 79.18% | 72.89% | +234 bps | |
| Non-Interest Burden | 1.55% | 1.43% | 1.81% | 1.68% | 1.67% | 1.74% | 2.01% | 1.95% | +27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.13% | 20.82% | 25.30% | 16.54% | -2.16% | -6.78% | -9.66% | -8.44% | -2,498 bps | |
| Loan Growth (YoY) | 21.45% | 23.87% | 21.04% | -1.53% | -13.27% | -15.38% | -12.75% | 14.55% | +1,608 bps | |
| Deposit Growth (YoY) | 20.88% | 25.98% | 30.72% | 20.83% | -3.30% | -9.22% | -12.20% | -10.75% | -3,158 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.33% | 0.28% | 0.32% | 0.17% | 1.57% | 1.06% | 0.84% | 0.74% | +57 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | -0.02% | 0.01% | -0.02% | -0.02% | -0.10% | -0.10% | -11 bps | |
| Allowance / Loans | 1.26% | 1.23% | 1.44% | 1.64% | 1.76% | 1.65% | 1.68% | 1.49% | -15 bps | |
| Allowance Coverage of NPLs | 3.9x | 4.3x | 4.4x | 9.5x | 1.1x | 1.6x | 2.0x | 2.0x | -7.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.03% | 9.35% | 8.98% | 9.43% | 10.10% | 10.74% | 10.86% | 11.20% | +177 bps | |
| Total Risk-Based Capital | 18.56% | 18.71% | 18.54% | 20.44% | 21.21% | 21.60% | 21.35% | 19.76% | -68 bps | |
| Equity / Assets | 7.75% | 6.64% | 7.08% | 7.79% | 8.80% | 8.90% | 9.56% | 9.91% | +213 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 48.42% | 45.55% | 45.79% | 42.98% | 43.43% | 42.46% | 45.50% | 55.17% | +1,218 bps | |
| Liquid Assets / Assets | 15.65% | 21.36% | 23.63% | 25.56% | 23.77% | 25.58% | 21.64% | 12.43% | -1,313 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 286% | 284% | 287% | n/a | n/a | |