Cullman, AL · Cert 22537 · Altrust Financial Services Inc.
State charter, non-member · FDIC · 28 branches
Q2 2026
Market Position · Birmingham, AL · 2026 SOD (annual) · 0.6% share · #23 of 49 inst. · $0.3B of $53.8B
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 | 1.66% | 1.47% | 1.56% | 1.67% | 1.66% | 1.71% | 1.48% | 1.68% | +1 bps | |
| Return on Equity | 19.42% | 16.63% | 17.93% | 19.21% | 18.18% | 17.48% | 14.76% | 16.75% | -246 bps | |
| Net Interest Margin | 4.51% | 4.42% | 4.28% | 4.48% | 4.40% | 4.32% | 4.25% | 4.35% | -13 bps | |
| Efficiency Ratio | 59.76% | 62.47% | 61.25% | 59.14% | 59.63% | 59.43% | 63.39% | 59.42% | +28 bps | |
| Non-Interest Burden | 2.26% | 2.39% | 2.24% | 2.25% | 2.23% | 2.17% | 2.33% | 2.18% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.92% | 6.43% | 8.20% | 7.04% | 5.91% | 4.11% | 0.95% | 0.09% | -695 bps | |
| Loan Growth (YoY) | 3.65% | 2.50% | 0.54% | 2.82% | 3.49% | 3.36% | 5.20% | 4.78% | +196 bps | |
| Deposit Growth (YoY) | 3.91% | 5.70% | 7.49% | 6.49% | 5.35% | 2.72% | -0.47% | -1.35% | -783 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.15% | 0.20% | 0.23% | 0.16% | 0.15% | 0.19% | 0.46% | 0.56% | +40 bps | |
| Net Charge-Offs / Loans | -0.15% | 0.28% | 0.03% | 0.09% | 0.12% | 0.06% | 0.06% | 0.11% | +2 bps | |
| Allowance / Loans | 1.80% | 1.75% | 1.74% | 1.73% | 1.69% | 1.66% | 1.63% | 1.62% | -11 bps | |
| Allowance Coverage of NPLs | 11.8x | 9.0x | 7.7x | 11.0x | 11.5x | 8.6x | 3.6x | 2.9x | -8.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.47% | 10.73% | 10.59% | 10.60% | 10.66% | 11.00% | 11.17% | 11.19% | +59 bps | |
| Total Risk-Based Capital | 15.66% | 15.89% | 15.96% | 16.22% | 16.46% | 17.03% | 16.83% | 16.98% | +77 bps | |
| Equity / Assets | 8.88% | 8.78% | 8.64% | 8.78% | 9.45% | 10.09% | 10.00% | 10.09% | +130 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.03% | 71.75% | 68.29% | 68.39% | 69.78% | 72.20% | 72.17% | 72.64% | +425 bps | |
| Liquid Assets / Assets | 14.02% | 13.25% | 17.26% | 17.81% | 16.36% | 14.24% | 14.22% | 13.75% | -406 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 334% | 332% | 333% | n/a | n/a | |