Andalusia, AL · Cert 16595 · Southern National Corp.
State charter, non-member · FDIC · 5 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 operating regionally (n=94). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
31
Asset Quality
63
Profitability
94
Liquidity
90
Efficiency
87
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.
Andalusia, AL · Cert 16595 · Southern National Corp.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Crestview-Fort Walton Beach-Destin, FL · 2026 SOD (annual) · 1.8% share · #15 of 28 inst. · $0.1B of $8.3B
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 | 1.57% | 1.63% | 1.66% | 1.76% | 1.80% | 1.85% | 1.65% | 1.89% | +13 bps | |
| Return on Equity | 19.05% | 19.68% | 19.46% | 20.30% | 20.37% | 20.73% | 17.71% | 20.10% | -20 bps | |
| Net Interest Margin | 3.98% | 4.02% | 4.14% | 4.30% | 4.33% | 4.36% | 4.39% | 4.47% | +17 bps | |
| Efficiency Ratio | 53.21% | 53.30% | 53.49% | 52.48% | 51.83% | 51.81% | 57.25% | 52.80% | +31 bps | |
| Non-Interest Burden | 1.85% | 1.87% | 1.93% | 1.94% | 1.93% | 1.95% | 2.25% | 2.05% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.88% | 3.65% | 3.89% | -1.47% | -3.25% | -0.23% | -0.77% | -0.48% | +100 bps | |
| Loan Growth (YoY) | 4.61% | 1.86% | 2.89% | 0.20% | 0.60% | 1.98% | 2.28% | 2.27% | +207 bps | |
| Deposit Growth (YoY) | 11.25% | 3.50% | 6.98% | 0.88% | -3.14% | -0.15% | -1.33% | -1.15% | -203 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.01% | 0.00% | 0.02% | 0.05% | 0.27% | 0.11% | 0.19% | +17 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.10% | 0.09% | 0.05% | 0.06% | 0.10% | 0.00% | 0.01% | -5 bps | |
| Allowance / Loans | 1.29% | 1.27% | 1.26% | 1.29% | 1.31% | 1.24% | 1.24% | 1.25% | -5 bps | |
| Allowance Coverage of NPLs | 229.4x | 195.4x | n/a | 63.2x | 27.8x | 4.5x | 11.0x | 6.5x | -56.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.80% | 9.75% | 9.91% | 10.26% | 10.42% | 10.18% | 10.25% | 10.53% | +27 bps | |
| Total Risk-Based Capital | 9.80% | 9.75% | 9.91% | 10.26% | 10.42% | 10.18% | 10.25% | 10.53% | +27 bps | |
| Equity / Assets | 8.37% | 8.45% | 8.64% | 8.91% | 9.30% | 9.27% | 9.32% | 9.64% | +74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.54% | 82.73% | 82.88% | 83.25% | 82.61% | 84.50% | 85.91% | 86.14% | +289 bps | |
| Liquid Assets / Assets | 14.90% | 12.06% | 11.96% | 11.30% | 10.97% | 9.57% | 9.00% | 9.21% | -209 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 288% | 288% | 303% | n/a | n/a | |
Andalusia, AL · Cert 16595 · Peer group: banks under $1B in assets operating regionally (n=94) · Southern National Corp.
State charter, non-member · FDIC · 5 branches
Q2 2026
Return on Assets
1.90%
Rank 5 of 94
Net Interest Margin
4.47%
Rank 12 of 94
Efficiency Ratio
52.80%
Rank 13 of 94
Equity / Assets
9.64%
Rank 62 of 94
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.90% | 0.82% | 1.19% | 1.46% | Beats 95% | 5 / 94 | ||
| Return on Equity | 19.68% | 7.85% | 11.84% | 14.03% | Beats 99% | 1 / 94 | ||
| Net Interest Margin | 4.47% | 3.42% | 3.81% | 4.18% | Beats 87% | 12 / 94 | ||
| Efficiency Ratio | 52.80% | 55.99% | 62.41% | 73.02% | Beats 87% | 13 / 94 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.19% | 0.19% | 0.47% | 1.14% | Beats 73% | 26 / 94 | ||
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.02% | 0.05% | Beats 52% | 46 / 94 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.53% | 10.28% | 11.95% | 15.07% | Beats 31% | 65 / 94 | ||
| Total Risk-Based Capital Ratio | 10.53% | 10.31% | 12.59% | 15.88% | Beats 29% | 67 / 94 | ||
| Equity / Assets | 9.64% | 8.98% | 10.21% | 11.41% | Beats 34% | 62 / 94 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 86.14% | 72.62% | 84.44% | 94.55% | 53rd pctl | 44 / 94 | ||
| Loans / Assets | 77.09% | 62.50% | 72.84% | 78.99% | 68th pctl | 30 / 94 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||