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West Alabama Bank & Trust

Reform, AL · Cert 16175 · West Alabama Capital Corp.

State charter, non-member · FDIC · 16 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

37

Q2 2024Q2 2026peer median (50)

Asset Quality

36

Q2 2024Q2 2026peer median (50)

Profitability

59

Q2 2024Q2 2026peer median (50)

Liquidity

82

Q2 2024Q2 2026peer median

Efficiency

81

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

West Alabama Bank & Trust

Reform, AL · Cert 16175 · West Alabama Capital Corp.

State charter, non-member · FDIC · 16 branches

Q2 2026

$929.0MAssets
$603.9MLoans
$806.4MDeposits
$97.6MEquity
Loan mix
87%RE $497.7M11%C&I $62.9M2%Consumer $12.0MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $599.8M26%Noninterest $206.6MQ2 2025Q2 2026

NIM

4.73%Q2 ’245.02%Q2 ’254.97%Q2 ’26+14%+9%

Non-interest income vs. expense

2.04%Q2 ’242.12%Q2 ’252.19%Q2 ’26+7%-2%

Market Position · Tuscaloosa, AL · 2026 SOD (annual) · 8.6% share · #5 of 30 inst. · $0.5B of $5.5B

77.1% Pickens
2.8% Tuscaloosa
29.3% Choctaw
32.0% Sumter

Executive Summary

  • Earnings: ROA of 1.28%, up 14 bps year over year; NIM at 3.31%.
  • Asset quality: problem loans at 0.44% of loans (-45 bps YoY), with net charge-offs at 0.15%.
  • Capital: tier 1 leverage ratio of 12.22%, up 109 bps from a year ago.
  • Funding: loans stand at 74.88% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.28%+14 bps YoY

Net Interest Margin (YTD, annualized)

3.31%+27 bps YoY

Efficiency Ratio (YTD, annualized)

54.87%-349 bps YoY

Tier 1 Leverage Ratio

12.22%+109 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.14%1.13%1.11%1.28%1.28%+14 bps
Return on Equity13.35%12.78%12.40%12.98%12.73%-62 bps
Net Interest Margin3.05%3.05%3.08%3.27%3.31%+27 bps
Efficiency Ratio58.36%57.80%58.34%55.72%54.87%-349 bps
Non-Interest Burden1.51%1.50%1.49%1.51%1.49%-2 bps
Growth
Asset Growth (YoY)3.86%2.28%3.02%-0.70%-1.86%-572 bps
Loan Growth (YoY)10.20%5.04%-2.33%0.11%1.44%-876 bps
Deposit Growth (YoY)6.13%4.59%3.68%-0.54%-1.90%-803 bps
Asset Quality
Nonperforming Loans / Loans0.89%1.00%0.45%0.40%0.44%-45 bps
Net Charge-Offs / Loans0.06%0.05%0.14%0.20%0.15%+9 bps
Allowance / Loans1.16%1.21%1.23%1.20%1.18%+3 bps
Allowance Coverage of NPLs1.3x1.2x2.7x3.0x2.7x+1.4x
Capital
Tier 1 Leverage Ratio11.13%11.32%11.44%12.03%12.22%+109 bps
Total Risk-Based Capital11.13%11.32%11.44%12.03%12.22%+109 bps
Equity / Assets8.87%9.62%9.35%10.35%10.51%+163 bps
Liquidity & Funding
Loans / Deposits72.41%71.27%65.37%72.60%74.88%+247 bps
Liquid Assets / Assets2.67%1.36%5.00%1.97%1.96%-71 bps
CRE / Total Capitaln/a264%247%240%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

West Alabama Bank & Trust

Reform, AL · Cert 16175 · Peer group: banks under $1B in assets (n=581-629) · West Alabama Capital Corp.

State charter, non-member · FDIC · 16 branches

Q2 2026

$929.0MAssets
$603.9MLoans
$806.4MDeposits
$97.6MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 81% of banks under $1B in assets (rank 119 of 629).
  • Widest gap: net charge-offs / loans trails 80% of banks under $1B in assets (rank 466 of 581).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.31%

Rank 199 of 629

Net Interest Margin

3.31%

Rank 389 of 629

Efficiency Ratio

54.87%

Rank 119 of 629

Equity / Assets

10.51%

Rank 333 of 629

Non-interest income vs. expense

$6.7M$21.1MINCOMEEXPENSE
Unfavorable gap of $14.3M · efficiency ratio beats 81% of banks under $1B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.31%0.60%1.01%1.45%Beats 68%199 / 629
Return on Equity12.49%5.38%9.30%13.28%Beats 70%189 / 629
Net Interest Margin3.31%3.03%3.54%4.05%Beats 38%389 / 629
Efficiency Ratio54.87%58.35%67.79%79.08%Beats 81%119 / 629
Asset Quality
Nonperforming Loans / Loans0.44%0.09%0.46%1.20%Beats 51%286 / 581
Net Charge-Offs / Loans0.09%n/a0.01%0.06%Beats 20%466 / 581
Capital
Tier 1 Capital Ratio12.22%11.24%13.84%18.77%Beats 35%407 / 629
Total Risk-Based Capital Ratio12.22%11.58%14.43%19.66%Beats 30%439 / 629
Equity / Assets10.51%9.09%10.65%13.80%Beats 47%333 / 629
Liquidity & Funding
Loans / Deposits74.88%67.24%80.90%93.48%39th pctl362 / 594
Loans / Assets65.00%53.31%67.71%78.15%44th pctl353 / 629
Brokered Deposits / Depositsn/aNot reported for this institution