Brewton, AL · Cert 22549
State charter, Fed member · FED · 1 branch
Q2 2026
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 | 0.12% | 0.25% | 0.36% | -0.26% | 0.02% | -10 bps | |
| Return on Equity | 0.46% | 0.91% | 1.32% | -0.95% | 0.09% | -37 bps | |
| Net Interest Margin | 2.82% | 2.90% | 3.03% | 3.28% | 3.14% | +32 bps | |
| Efficiency Ratio | 88.70% | 83.76% | 81.19% | 81.32% | 80.08% | -862 bps | |
| Non-Interest Burden | 2.49% | 2.42% | 2.45% | 2.65% | 2.50% | +1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.16% | -3.07% | -0.86% | 0.63% | -2.06% | +10 bps | |
| Loan Growth (YoY) | 2.36% | 2.57% | -0.55% | -3.40% | -4.91% | -727 bps | |
| Deposit Growth (YoY) | -3.39% | -4.59% | -1.66% | 0.39% | -3.25% | +14 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.39% | 0.83% | 3.66% | 0.06% | 3.82% | +243 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.34% | 1.51% | 1.54% | 2.22% | 2.24% | +90 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.8x | 0.4x | 39.0x | 0.6x | -0.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 27.25% | 27.46% | 27.48% | 27.34% | 28.01% | +76 bps | |
| Total Risk-Based Capital | 27.25% | 27.46% | 27.48% | 27.34% | 28.01% | +76 bps | |
| Equity / Assets | 27.23% | 27.80% | 27.44% | 27.13% | 28.12% | +89 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 46.87% | 46.89% | 44.91% | 44.36% | 46.07% | -80 bps | |
| Liquid Assets / Assets | 54.09% | 49.92% | 53.40% | 52.92% | 54.69% | +60 bps | |
| CRE / Total Capital | n/a | 21.41% | 21.54% | 18.90% | n/a | n/a | |