Danville, VA · Cert 9502
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Charlotte-Concord-Gastonia, NC-SC · 2026 SOD (annual) · 0.0% share · #39 of 47 inst. · $0.1B of $432.7B
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 | -0.61% | -0.92% | -0.31% | -0.08% | -0.13% | -0.14% | 0.62% | 0.96% | +103 bps | |
| Return on Equity | -5.85% | -9.01% | -3.34% | -0.81% | -1.44% | -1.42% | 5.54% | 8.55% | +936 bps | |
| Net Interest Margin | 2.90% | 2.86% | 3.04% | 3.21% | 3.17% | 3.17% | 3.20% | 3.41% | +20 bps | |
| Efficiency Ratio | 118.04% | 122.32% | 110.08% | 102.98% | 105.19% | 105.02% | 87.47% | 82.95% | -2,003 bps | |
| Non-Interest Burden | 3.65% | 3.77% | 3.42% | 3.30% | 3.36% | 3.35% | 2.40% | 2.17% | -113 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.43% | 4.17% | 1.43% | 5.51% | 4.28% | -1.81% | 3.00% | 1.38% | -413 bps | |
| Loan Growth (YoY) | 13.85% | 6.19% | 4.22% | 2.46% | 1.59% | -4.19% | -6.51% | -10.37% | -1,283 bps | |
| Deposit Growth (YoY) | 0.69% | 3.29% | 3.89% | 10.44% | -9.88% | -18.46% | 1.58% | -0.68% | -1,112 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.08% | 0.08% | 0.07% | 0.07% | 0.21% | 0.92% | 0.60% | 0.07% | 0 bps | |
| Net Charge-Offs / Loans | -0.07% | -0.06% | -0.01% | -0.01% | -0.01% | -0.01% | -0.01% | -0.01% | 0 bps | |
| Allowance / Loans | 0.80% | 0.78% | 0.77% | 0.76% | 0.74% | 0.77% | 0.78% | 0.82% | +6 bps | |
| Allowance Coverage of NPLs | 9.6x | 9.9x | 10.4x | 10.8x | 3.5x | 0.8x | 1.3x | 12.3x | +1.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.22% | 9.60% | 9.12% | 9.34% | 8.88% | 10.36% | 10.44% | 11.12% | +178 bps | |
| Total Risk-Based Capital | 13.52% | 13.62% | 13.31% | 13.67% | 13.96% | 16.40% | 16.80% | 17.81% | +415 bps | |
| Equity / Assets | 10.39% | 9.42% | 9.38% | 9.16% | 9.42% | 11.52% | 10.95% | 11.13% | +197 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.07% | 89.68% | 86.44% | 83.33% | 100.41% | 105.38% | 79.55% | 75.20% | -812 bps | |
| Liquid Assets / Assets | 8.69% | 9.07% | 9.14% | 12.40% | 11.92% | 10.16% | 16.52% | 20.89% | +850 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 500% | 416% | 413% | n/a | n/a | |