Pineland Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 1419.10 percentage points lower than in Q1 2026, at 339.73%. Pineland Bank ranks 51st of 121 Georgia banks on return on assets, in the upper half at 1.68% (Q2 2026). Pineland Bank reported 1.68% on return on assets for Q2 2026, 0.42 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.48% |
| Equity capital to assets | 10.11% |
| Tangible equity to tangible assets | 10.11% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.51% |
| Non-performing assets ratio | 0.36% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 3.21% |
| Allowance for credit losses to loans | 1.74% |
| Reserve coverage of non-performing loans | 339.73% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.68% |
| Return on equity | 16.43% |
| Net interest margin | 5.13% |
| Efficiency ratio | 57.33% |
| Yield on earning assets | 6.30% |
| Cost of funds | 1.25% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.55% |
| Core deposits to total deposits | 92.57% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.21% |
| Securities to assets | 9.81% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.03% | 1.65% | 5.28% | 0.33% | -0.00% |
| Q4 2023 | 9.73% | 1.37% | 5.43% | 0.23% | -0.03% |
| Q1 2024 | 9.69% | 1.37% | 5.18% | 0.20% | 0.01% |
| Q2 2024 | 9.65% | 1.31% | 5.12% | 1.45% | 0.34% |
| Q3 2024 | 9.73% | 1.29% | 5.18% | 0.79% | 0.00% |
| Q4 2024 | 9.32% | 1.47% | 5.16% | 0.91% | 0.27% |
| Q1 2025 | 9.29% | 1.50% | 5.04% | 0.82% | -0.00% |
| Q2 2025 | 9.28% | 1.50% | 5.09% | 0.84% | 0.01% |
| Q3 2025 | 9.44% | 1.68% | 5.23% | 0.97% | 0.00% |
| Q4 2025 | 9.75% | 1.73% | 5.12% | 1.89% | -0.00% |
| Q1 2026 | 10.31% | 1.68% | 5.15% | 0.10% | 0.17% |
| Q2 2026 | 10.48% | 1.68% | 5.13% | 0.51% | 0.00% |
Pineland Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Pineland Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Pineland Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15699) · FFIEC NIC profile (RSSD 6039)