PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

The Infirmary

Mobile, AL · Charter 21794

NCUA · 2 branches

Q2 2026

$32.6MAssets
$13.3MLoans
$28.0MShares
$4.6MNet Worth

Executive Summary

  • Earnings: ROA of 0.73%, up 15 bps year over year; NIM at 3.68%.
  • Asset quality: problem loans at 0.63% of loans (+9 bps YoY).
  • Capital: net worth / assets of 13.99%, up 110 bps from a year ago.
  • Funding: loans stand at 47.34% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.73%+15 bps YoY

Net Interest Margin (quarter, annualized)

3.68%+35 bps YoY

Efficiency Ratio (quarter, annualized)

88.92%+240 bps YoY

Net Worth / Assets

13.99%+110 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.38%0.33%0.65%0.58%0.77%0.74%0.48%0.73%+15 bps
Return on Equity3.03%2.58%5.01%4.49%5.76%5.42%3.47%5.23%+74 bps
Net Interest Margin3.01%3.08%3.28%3.33%3.49%3.54%3.57%3.68%+35 bps
Efficiency Ratio88.51%88.19%86.60%86.52%85.34%86.13%92.51%88.92%+240 bps
Growth
Asset Growth (YoY)9.28%12.72%0.10%1.38%-1.16%-0.35%-0.82%-2.23%-361 bps
Loan Growth (YoY)-7.59%-11.09%-6.79%-3.01%-0.76%-0.05%-1.94%-3.99%-99 bps
Share Growth (YoY)9.04%12.64%-0.78%0.94%-2.39%-1.46%-2.14%-3.50%-444 bps
Asset Quality
Delinquent Loans / Loans0.96%1.00%0.75%0.53%0.36%0.45%0.26%0.63%+9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.64%12.81%12.98%12.89%13.41%13.59%13.78%13.99%+110 bps
Net Worth / Assets12.64%12.81%12.98%12.89%13.41%13.59%13.78%13.99%+110 bps
Liquidity & Funding
Loans / Shares49.18%48.35%48.23%47.58%50.00%49.03%48.33%47.34%-24 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps