Zebulon, GA · Cert 9070
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 0.0% share · #61 of 81 inst. · $0.1B of $255.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.89% | 0.89% | 0.97% | 1.35% | 1.17% | 0.88% | 1.28% | 1.30% | -5 bps | |
| Return on Equity | 9.88% | 9.62% | 10.64% | 14.99% | 13.00% | 9.60% | 14.01% | 13.85% | -114 bps | |
| Net Interest Margin | 5.57% | 5.49% | 5.56% | 5.64% | 5.26% | 5.47% | 5.03% | 5.28% | -36 bps | |
| Efficiency Ratio | 84.55% | 83.22% | 80.32% | 72.16% | 77.79% | 79.39% | 73.90% | 73.30% | +114 bps | |
| Non-Interest Burden | 4.54% | 4.36% | 4.24% | 3.68% | 3.84% | 4.08% | 3.38% | 3.53% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.34% | 3.84% | 5.31% | 11.69% | 14.57% | 15.95% | 13.71% | 4.62% | -707 bps | |
| Loan Growth (YoY) | 6.15% | -3.15% | 10.13% | 6.45% | 6.45% | 13.35% | 4.04% | 2.37% | -408 bps | |
| Deposit Growth (YoY) | 2.11% | 3.09% | 4.64% | 11.48% | 14.89% | 15.80% | 13.63% | 3.74% | -774 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.19% | 1.35% | 1.21% | 1.19% | 1.22% | 1.23% | 1.06% | 0.79% | -41 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.17% | 0.11% | 0.13% | -0.57% | 0.18% | 0.01% | 0.20% | +7 bps | |
| Allowance / Loans | 1.46% | 1.51% | 1.40% | 1.47% | 1.60% | 1.60% | 1.62% | 1.62% | +16 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.1x | 1.2x | 1.2x | 1.3x | 1.3x | 1.5x | 2.1x | +0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.01% | 9.88% | 9.93% | 9.91% | 9.59% | 9.42% | 9.24% | 9.91% | 0 bps | |
| Total Risk-Based Capital | 17.71% | 18.05% | 16.72% | 17.08% | 16.77% | 16.89% | 16.71% | 18.35% | +127 bps | |
| Equity / Assets | 9.23% | 9.24% | 9.03% | 8.95% | 9.07% | 9.22% | 9.11% | 9.66% | +71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.87% | 72.58% | 74.50% | 71.29% | 69.38% | 71.04% | 68.21% | 70.35% | -94 bps | |
| Liquid Assets / Assets | 4.14% | 4.25% | 4.90% | 9.00% | 5.78% | 7.82% | 5.10% | 8.89% | -11 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 270% | 278% | 239% | n/a | n/a | |