PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Baldwin County

Bay Minette, AL · Charter 13329

NCUA · 2 branches

Q2 2026

$32.4MAssets
$10.9MLoans
$28.1MShares
$3.9MNet Worth

Executive Summary

  • Earnings: ROA of 0.73%, down 47 bps year over year; NIM at 3.06%.
  • Asset quality: problem loans at 0.27% of loans (+23 bps YoY).
  • Capital: net worth / assets of 12.03%, down 11 bps from a year ago.
  • Funding: loans stand at 38.77% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.73%-47 bps YoY

Net Interest Margin (YTD, annualized)

3.06%-74 bps YoY

Efficiency Ratio (YTD, annualized)

81.62%+888 bps YoY

Net Worth / Assets

12.03%-11 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.32%0.67%1.04%1.20%1.49%1.01%0.56%0.73%-47 bps
Return on Equity2.73%5.66%8.70%9.89%11.95%8.10%4.63%6.09%-379 bps
Net Interest Margin3.08%3.19%3.74%3.80%3.84%3.61%3.01%3.06%-74 bps
Efficiency Ratio84.50%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 / Loans0.20%0.36%0.26%0.04%0.00%0.69%0.00%0.27%+23 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.55%11.84%11.91%12.13%12.43%12.47%12.01%12.03%-11 bps
Net Worth / Assets11.55%11.84%11.91%12.13%12.43%12.47%12.01%12.03%-11 bps
Liquidity & Funding
Loans / Shares46.73%45.53%44.94%43.95%41.93%43.02%40.22%38.77%-517 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps