Mobile, AL · Cert 16910 · Feb Bancshares Inc.
State charter, non-member · FDIC · 4 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 in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
52
Asset Quality
3
Profitability
41
Liquidity
47
Efficiency
6
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.
Mobile, AL · Cert 16910 · Feb Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Mobile, AL · 2026 SOD (annual) · 1.4% share · #13 of 25 inst. · $0.2B of $10.6B
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 | 0.32% | 0.71% | 1.16% | 3.17% | 2.45% | 1.50% | 0.24% | 0.41% | -276 bps | |
| Return on Equity | 3.11% | 7.05% | 12.59% | 30.13% | 21.92% | 13.05% | 1.83% | 3.24% | -2,689 bps | |
| Net Interest Margin | 5.44% | 4.88% | 6.39% | 7.19% | 7.40% | 7.14% | 5.93% | 5.77% | -142 bps | |
| Efficiency Ratio | 85.25% | 78.71% | 73.88% | 58.52% | 64.95% | 68.99% | 95.79% | 92.87% | +3,435 bps | |
| Non-Interest Burden | 4.47% | 3.61% | 4.11% | 2.14% | 3.40% | 3.77% | 5.55% | 5.19% | +306 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.45% | 35.74% | 28.05% | 4.00% | -9.23% | -17.73% | -17.13% | 11.23% | +723 bps | |
| Loan Growth (YoY) | 34.54% | 38.36% | 35.47% | 2.08% | -17.56% | -18.01% | -12.49% | 6.95% | +488 bps | |
| Deposit Growth (YoY) | 34.23% | 44.51% | 31.23% | 2.03% | -14.97% | -23.75% | -22.56% | 10.05% | +802 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.65% | 1.98% | 2.02% | 3.39% | 5.17% | 4.24% | 5.24% | 3.39% | 0 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.10% | 0.30% | 0.22% | 0.29% | 0.56% | 0.20% | 4.32% | +410 bps | |
| Allowance / Loans | 1.33% | 1.45% | 1.68% | 2.09% | 2.01% | 2.63% | 2.53% | 2.17% | +8 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.7x | 0.8x | 0.6x | 0.4x | 0.6x | 0.5x | 0.6x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.85% | 9.16% | 9.38% | 12.93% | 13.63% | 12.77% | 12.73% | 11.12% | -181 bps | |
| Total Risk-Based Capital | 11.56% | 11.48% | 12.23% | 16.06% | 15.76% | 15.34% | 14.94% | 14.38% | -168 bps | |
| Equity / Assets | 9.35% | 9.00% | 9.51% | 13.65% | 13.30% | 13.17% | 13.03% | 11.52% | -213 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.13% | 89.78% | 86.89% | 92.47% | 90.29% | 96.54% | 98.20% | 89.87% | -260 bps | |
| Liquid Assets / Assets | 0.47% | 0.44% | 0.43% | 1.86% | 0.56% | 0.72% | 0.87% | 0.78% | -108 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 133.94% | 131.15% | 138.47% | n/a | n/a | |
Mobile, AL · Cert 16910 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Feb Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
0.39%
Rank 652 of 746
Net Interest Margin
5.77%
Rank 8 of 746
Efficiency Ratio
92.94%
Rank 702 of 746
Equity / Assets
11.52%
Rank 274 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.39% | 0.72% | 1.06% | 1.45% | Beats 13% | 652 / 746 | ||
| Return on Equity | 3.37% | 6.74% | 10.51% | 13.63% | Beats 12% | 656 / 746 | ||
| Net Interest Margin | 5.77% | 3.17% | 3.68% | 4.16% | Beats 99% | 8 / 746 | ||
| Efficiency Ratio | 92.94% | 55.74% | 64.58% | 75.47% | Beats 6% | 702 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.39% | 0.09% | 0.42% | 1.07% | Beats 4% | 711 / 743 | ||
| Net Charge-Offs / Loans | 2.16% | 0.00% | 0.01% | 0.05% | Beats 1% | 740 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.12% | 11.55% | 13.75% | 17.60% | Beats 43% | 422 / 746 | ||
| Total Risk-Based Capital Ratio | 14.38% | 11.71% | 14.33% | 18.43% | Beats 50% | 371 / 746 | ||
| Equity / Assets | 11.52% | 8.90% | 10.51% | 13.06% | Beats 63% | 274 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 89.86% | 61.31% | 78.27% | 90.78% | 73rd pctl | 200 / 746 | ||
| Loans / Assets | 74.41% | 53.60% | 66.97% | 76.08% | 69th pctl | 230 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||