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 (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 | 0.30% | -0.74% | 0.39% | 0.48% | 0.47% | -0.66% | 0.65% | 0.52% | +4 bps | |
| Return on Equity | 2.97% | -7.37% | 4.21% | 4.64% | 4.29% | -5.77% | 5.74% | 4.58% | -7 bps | |
| Net Interest Margin | 1.07% | 1.04% | 1.21% | 1.18% | 1.27% | 1.30% | 1.44% | 1.48% | +30 bps | |
| Efficiency Ratio | 84.21% | 149.24% | 66.76% | 62.54% | 64.36% | 151.60% | 57.89% | 82.40% | +1,986 bps | |
| Non-Interest Burden | 0.89% | 1.67% | 0.77% | 0.66% | 0.78% | 2.09% | 0.77% | 1.22% | +56 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 | -0.52% | -0.36% | -0.36% | 0.82% | -0.07% | -0.52% | 0.73% | -0.60% | -142 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 | |