22nd State Banking Company
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
$292.2MAssets
$217.4MLoans
$241.9MDeposits
$33.7MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 99% of banks under $1B in assets operating in a single state (rank 8 of 746).
- Widest gap: net charge-offs / loans trails 99% of banks under $1B in assets operating in a single state (rank 740 of 743).
- Overall: at or above the peer median on 3 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $15.5M · efficiency ratio beats 6% of banks under $1B in assets operating in a single state | 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 |