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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
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 | 1.01% | 0.87% | 1.02% | 1.27% | 1.10% | 1.07% | 1.28% | 1.30% | +3 bps | |
| Return on Equity | 11.81% | 10.36% | 12.24% | 14.26% | 11.90% | 11.26% | 12.98% | 12.47% | -180 bps | |
| Net Interest Margin | 2.81% | 2.90% | 2.98% | 3.13% | 3.09% | 3.13% | 3.27% | 3.36% | +23 bps | |
| Efficiency Ratio | 61.64% | 64.37% | 60.52% | 56.34% | 56.70% | 59.77% | 55.72% | 54.06% | -228 bps | |
| Non-Interest Burden | 1.49% | 1.52% | 1.57% | 1.47% | 1.48% | 1.45% | 1.51% | 1.47% | 0 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 | 0.01% | 0.22% | 0.02% | 0.10% | 0.04% | 0.39% | 0.20% | 0.11% | +2 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 | |