Waterloo, AL · Cert 1745
State charter, non-member · FDIC · 2 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
68
Asset Quality
13
Profitability
12
Liquidity
0
Efficiency
38
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.
Waterloo, AL · Cert 1745
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Florence-Muscle Shoals, AL · 2026 SOD (annual) · 2.2% share · #11 of 16 inst. · $0.1B of $3.9B
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 | -2.93% | -2.40% | 0.39% | 0.43% | 0.44% | 0.16% | 0.65% | 0.59% | +15 bps | |
| Return on Equity | -30.53% | -25.51% | 4.21% | 4.47% | 4.39% | 1.55% | 5.74% | 5.14% | +67 bps | |
| Net Interest Margin | 0.97% | 1.00% | 1.21% | 1.20% | 1.20% | 1.21% | 1.44% | 1.45% | +25 bps | |
| Efficiency Ratio | 81.39% | 100.08% | 66.76% | 64.61% | 64.53% | 88.60% | 57.89% | 69.75% | +514 bps | |
| Non-Interest Burden | 0.77% | 1.00% | 0.77% | 0.71% | 0.72% | 1.06% | 0.77% | 0.99% | +27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.98% | -12.26% | -9.18% | -1.69% | 4.30% | 4.81% | 5.39% | 2.41% | +410 bps | |
| Loan Growth (YoY) | 19.01% | 13.46% | 13.94% | 1.46% | 6.71% | -4.23% | -10.72% | -0.39% | -185 bps | |
| Deposit Growth (YoY) | -10.76% | -11.81% | -10.32% | -3.32% | 4.66% | 1.51% | 4.08% | 1.21% | +453 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.37% | 0.57% | 0.25% | 1.85% | 1.39% | 0.80% | 3.93% | 1.33% | -52 bps | |
| Net Charge-Offs / Loans | -0.30% | -0.30% | -0.36% | 0.22% | 0.12% | -0.04% | 0.73% | 0.04% | -19 bps | |
| Allowance / Loans | 3.37% | 3.30% | 3.46% | 3.37% | 3.15% | 3.49% | 3.63% | 3.51% | +14 bps | |
| Allowance Coverage of NPLs | 9.1x | 5.8x | 13.6x | 1.8x | 2.3x | 4.4x | 0.9x | 2.6x | +0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 17.13% | 17.20% | 17.37% | 17.57% | 17.13% | 16.72% | 17.18% | 17.03% | -54 bps | |
| Total Risk-Based Capital | 17.13% | 17.20% | 17.37% | 17.57% | 17.13% | 16.72% | 17.18% | 17.03% | -54 bps | |
| Equity / Assets | 11.62% | 8.60% | 10.09% | 10.43% | 11.38% | 11.48% | 11.22% | 11.49% | +105 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 6.47% | 6.49% | 6.59% | 6.26% | 6.59% | 6.12% | 5.65% | 6.16% | -10 bps | |
| Liquid Assets / Assets | 3.02% | 2.99% | 2.78% | 2.72% | 2.64% | 2.61% | 2.39% | 2.40% | -32 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 5.81% | 6.64% | 5.13% | n/a | n/a | |
Waterloo, AL · Cert 1745 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
0.59%
Rank 611 of 746
Net Interest Margin
1.45%
Rank 741 of 746
Efficiency Ratio
69.75%
Rank 461 of 746
Equity / Assets
11.49%
Rank 281 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.59% | 0.72% | 1.06% | 1.45% | Beats 18% | 611 / 746 | ||
| Return on Equity | 5.14% | 6.74% | 10.51% | 13.63% | Beats 18% | 611 / 746 | ||
| Net Interest Margin | 1.45% | 3.17% | 3.68% | 4.16% | Beats 1% | 741 / 746 | ||
| Efficiency Ratio | 69.75% | 55.74% | 64.58% | 75.47% | Beats 38% | 461 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.33% | 0.09% | 0.42% | 1.07% | Beats 19% | 600 / 743 | ||
| Net Charge-Offs / Loans | 0.26% | 0.00% | 0.01% | 0.05% | Beats 6% | 700 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.03% | 11.55% | 13.75% | 17.60% | Beats 72% | 206 / 746 | ||
| Total Risk-Based Capital Ratio | 17.03% | 11.71% | 14.33% | 18.43% | Beats 70% | 227 / 746 | ||
| Equity / Assets | 11.49% | 8.90% | 10.51% | 13.06% | Beats 62% | 281 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 6.16% | 61.31% | 78.27% | 90.78% | 1st pctl | 742 / 746 | ||
| Loans / Assets | 5.42% | 53.60% | 66.97% | 76.08% | 1st pctl | 742 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||