Bay Minette, AL · Charter 13329
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
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 | 0.32% | 0.67% | 1.04% | 1.20% | 1.49% | 1.01% | 0.56% | 0.73% | -47 bps | |
| Return on Equity | 2.73% | 5.66% | 8.70% | 9.89% | 11.95% | 8.10% | 4.63% | 6.09% | -379 bps | |
| Net Interest Margin | 3.08% | 3.19% | 3.74% | 3.80% | 3.84% | 3.61% | 3.01% | 3.06% | -74 bps | |
| Efficiency Ratio | 84.50% | 83.84% | 75.27% | 72.75% | 68.14% | 77.08% | 85.88% | 81.62% | +888 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.32% | 2.81% | -1.93% | 2.07% | 3.88% | 3.37% | 6.80% | 7.61% | +554 bps | |
| Loan Growth (YoY) | 6.98% | 3.36% | 1.49% | -2.74% | -7.28% | -2.72% | -4.09% | -5.41% | -266 bps | |
| Share Growth (YoY) | 0.10% | 1.71% | -3.37% | 1.73% | 3.33% | 2.95% | 7.18% | 7.21% | +548 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.20% | 0.36% | 0.26% | 0.04% | 0.00% | 0.69% | 0.00% | 0.27% | +23 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.55% | 11.84% | 11.91% | 12.13% | 12.43% | 12.47% | 12.01% | 12.03% | -11 bps | |
| Net Worth / Assets | 11.55% | 11.84% | 11.91% | 12.13% | 12.43% | 12.47% | 12.01% | 12.03% | -11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.73% | 45.53% | 44.94% | 43.95% | 41.93% | 43.02% | 40.22% | 38.77% | -517 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |