Hamilton, AL · Cert 22271 · Marion County Bancshares Inc.
National charter · OCC · 5 branches
Q2 2026
Market Position · Birmingham, AL · 2026 SOD (annual) · 0.1% share · #40 of 49 inst. · $0.0B of $53.8B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.87% | 1.94% | 1.97% | 1.84% | 2.10% | +23 bps | |
| Return on Equity | 11.60% | 11.76% | 11.75% | 10.37% | 11.83% | +23 bps | |
| Net Interest Margin | 4.33% | 4.41% | 4.38% | 4.20% | 4.24% | -9 bps | |
| Efficiency Ratio | 52.32% | 50.69% | 49.85% | 49.94% | 46.37% | -596 bps | |
| Non-Interest Burden | 1.86% | 1.80% | 1.74% | 1.67% | 1.46% | -40 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.05% | 2.19% | 3.90% | 2.25% | 4.19% | +213 bps | |
| Loan Growth (YoY) | 9.35% | 2.40% | 1.91% | -4.15% | -5.53% | -1,489 bps | |
| Deposit Growth (YoY) | 0.11% | 0.92% | 1.15% | 0.54% | 2.56% | +246 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.36% | 0.18% | 0.23% | 0.21% | 0.25% | -11 bps | |
| Net Charge-Offs / Loans | 0.31% | 0.40% | 0.38% | 0.49% | 0.30% | -1 bps | |
| Allowance / Loans | 1.27% | 1.38% | 1.37% | 1.41% | 1.47% | +20 bps | |
| Allowance Coverage of NPLs | 3.5x | 7.5x | 5.9x | 6.7x | 5.8x | +2.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 18.14% | 18.57% | 18.97% | 19.07% | 18.99% | +85 bps | |
| Total Risk-Based Capital | 18.14% | 18.57% | 18.97% | 19.07% | 18.99% | +85 bps | |
| Equity / Assets | 16.51% | 17.50% | 17.91% | 17.60% | 17.79% | +128 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 52.18% | 49.14% | 50.03% | 48.61% | 48.06% | -412 bps | |
| Liquid Assets / Assets | 0.64% | 1.18% | 0.58% | 1.29% | 0.66% | +2 bps | |
| CRE / Total Capital | n/a | 59.72% | 58.70% | 57.22% | n/a | n/a | |