Reform, AL · Cert 16175 · West Alabama Capital Corp.
State charter, non-member · FDIC · 16 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
37
Asset Quality
36
Profitability
59
Liquidity
82
Efficiency
81
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.
Reform, AL · Cert 16175 · West Alabama Capital Corp.
State charter, non-member · FDIC · 16 branches
Q2 2026
Market Position · Tuscaloosa, AL · 2026 SOD (annual) · 8.6% share · #5 of 30 inst. · $0.5B of $5.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | 0.95% | 1.02% | 1.14% | 1.13% | 1.11% | 1.28% | 1.28% | +14 bps | |
| Return on Equity | 12.03% | 11.74% | 12.24% | 13.35% | 12.78% | 12.40% | 12.98% | 12.73% | -62 bps | |
| Net Interest Margin | 2.70% | 2.74% | 2.98% | 3.05% | 3.05% | 3.08% | 3.27% | 3.31% | +27 bps | |
| Efficiency Ratio | 62.14% | 62.77% | 60.52% | 58.36% | 57.80% | 58.34% | 55.72% | 54.87% | -349 bps | |
| Non-Interest Burden | 1.43% | 1.45% | 1.57% | 1.51% | 1.50% | 1.49% | 1.51% | 1.49% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.84% | 2.71% | 3.17% | 3.86% | 2.28% | 3.02% | -0.70% | -1.86% | -572 bps | |
| Loan Growth (YoY) | 6.83% | 9.84% | 9.80% | 10.20% | 5.04% | -2.33% | 0.11% | 1.44% | -876 bps | |
| Deposit Growth (YoY) | 5.90% | 7.27% | 5.09% | 6.13% | 4.59% | 3.68% | -0.54% | -1.90% | -803 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.57% | 0.91% | 0.95% | 0.89% | 1.00% | 0.45% | 0.40% | 0.44% | -45 bps | |
| Net Charge-Offs / Loans | -0.15% | -0.05% | 0.02% | 0.06% | 0.05% | 0.14% | 0.20% | 0.15% | +9 bps | |
| Allowance / Loans | 1.17% | 1.16% | 1.16% | 1.16% | 1.21% | 1.23% | 1.20% | 1.18% | +3 bps | |
| Allowance Coverage of NPLs | 2.1x | 1.3x | 1.2x | 1.3x | 1.2x | 2.7x | 3.0x | 2.7x | +1.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.91% | 10.91% | 11.04% | 11.13% | 11.32% | 11.44% | 12.03% | 12.22% | +109 bps | |
| Total Risk-Based Capital | 10.91% | 10.91% | 11.04% | 11.13% | 11.32% | 11.44% | 12.03% | 12.22% | +109 bps | |
| Equity / Assets | 9.03% | 7.89% | 8.88% | 8.87% | 9.62% | 9.35% | 10.35% | 10.51% | +163 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.97% | 69.40% | 72.12% | 72.41% | 71.27% | 65.37% | 72.60% | 74.88% | +247 bps | |
| Liquid Assets / Assets | 4.07% | 5.36% | 1.85% | 2.67% | 1.36% | 5.00% | 1.97% | 1.96% | -71 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 264% | 247% | 240% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.31% | 0.60% | 1.01% | 1.45% | Beats 68% | 199 / 629 | n/a | |
| Return on Equity | 12.49% | 5.38% | 9.30% | 13.28% | Beats 70% | 189 / 629 | n/a | |
| Net Interest Margin | 3.31% | 3.03% | 3.54% | 4.05% | Beats 38% | 389 / 629 | n/a | |
| Efficiency Ratio | 54.87% | 58.35% | 67.79% | 79.08% | Beats 81% | 119 / 629 | n/a | |
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.44% | 0.09% | 0.46% | 1.20% | Beats 51% | 286 / 581 | n/a | |
| Net Charge-Offs / Loans | 0.09% | n/a | 0.01% | 0.06% | Beats 20% | 466 / 581 | n/a | |
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.22% | 11.24% | 13.84% | 18.77% | Beats 35% | 407 / 629 | n/a | |
| Total Risk-Based Capital Ratio | 12.22% | 11.58% | 14.43% | 19.66% | Beats 30% | 439 / 629 | n/a | |
| Equity / Assets | 10.51% | 9.09% | 10.65% | 13.80% | Beats 47% | 333 / 629 | n/a | |
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.88% | 67.24% | 80.90% | 93.48% | 39th pctl | 362 / 594 | n/a | |
| Loans / Assets | 65.00% | 53.31% | 67.71% | 78.15% | 44th pctl | 353 / 629 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||