In Q1 2026, the company successfully completed the TC Federal customer integration and core systems conversion, a significant operational achievement. The company is shifting focus to organic growth and potential acquisitions in Georgia and neighboring states, seeking opportunities from ongoing market consolidation.
Cyborg Score Rationale
Q1 2026 net income increased to $8.2M with net interest margin improved to 3.48%. Net interest margin increased 16 basis points, driven by loan accretion from acquired TC Federal loans. Revenue is forecast to grow by 23% in a year, with earnings forecast to grow by 38% in the next year.
Top Insights
(April 2026) Successfully completed TC Federal integration and systems conversion, enabling full merger synergy capture
(April 2026) Raised quarterly dividend to $0.12 per share, reflecting confidence in earnings sustainability and capital position
Strong capital ratios above well-capitalized thresholds with improved asset quality and lower nonperforming assets.
EPS expected to grow by 16% over the next year, providing support to dividend and adequate earnings cover.
Named Competitors
SunTrust Bank — Regional banking with Southeast focus
Renasant Bank — Community-focused regional bank
Synovus — Southeastern regional bank holding company
Recent Developments
(April 2026) Q1 2026 earnings released: net income of $8.2M, EPS $0.39, net interest margin 3.48%
(April 2026) Declared quarterly cash dividend of $0.12 per share, payable May 20, 2026
(December 2025) Completed acquisition of TC Federal, materially growing balance sheet and deposit base
(January 2026) Q4 2025 net income of $7.8M with total assets of $3.74B at year-end
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