Eva, AL · Cert 26799
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Decatur, AL · 2026 SOD (annual) · 2.5% share · #11 of 16 inst. · $0.1B of $3.3B
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 | 2.27% | 1.98% | 2.20% | 2.74% | 2.63% | 2.53% | 2.51% | 2.53% | -21 bps | |
| Return on Equity | 7.98% | 7.04% | 7.96% | 9.92% | 9.37% | 8.98% | 9.01% | 9.05% | -88 bps | |
| Net Interest Margin | 5.87% | 5.57% | 5.43% | 5.89% | 6.02% | 5.92% | 5.92% | 5.89% | 0 bps | |
| Efficiency Ratio | 45.13% | 55.77% | 47.71% | 31.33% | 39.04% | 45.03% | 38.31% | 40.56% | +923 bps | |
| Non-Interest Burden | 2.55% | 3.03% | 2.54% | 1.84% | 2.32% | 2.37% | 2.20% | 2.30% | +46 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.62% | 9.28% | 9.53% | 7.42% | 4.98% | 5.38% | 4.66% | 5.09% | -232 bps | |
| Loan Growth (YoY) | 7.72% | 6.03% | 4.23% | 12.92% | 8.43% | 7.93% | 8.47% | 8.27% | -465 bps | |
| Deposit Growth (YoY) | 12.46% | 14.52% | 9.59% | 12.58% | 8.72% | 8.79% | 10.02% | 4.71% | -788 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.43% | 1.48% | 1.83% | 2.40% | 1.85% | 2.18% | 1.79% | 1.61% | -79 bps | |
| Net Charge-Offs / Loans | 0.05% | -0.03% | 0.20% | 0.32% | -0.07% | 0.13% | 0.34% | 0.45% | +13 bps | |
| Allowance / Loans | 2.24% | 2.29% | 2.26% | 2.29% | 2.32% | 2.29% | 2.33% | 2.29% | 0 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.5x | 1.2x | 1.0x | 1.3x | 1.0x | 1.3x | 1.4x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 27.97% | 27.74% | 27.64% | 27.59% | 27.93% | 27.88% | 27.59% | 27.85% | +25 bps | |
| Total Risk-Based Capital | 27.97% | 27.74% | 27.64% | 27.59% | 27.93% | 27.88% | 27.59% | 27.85% | +25 bps | |
| Equity / Assets | 28.30% | 27.97% | 27.41% | 27.85% | 28.26% | 28.08% | 27.70% | 28.26% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 115.62% | 116.73% | 115.35% | 112.91% | 115.32% | 115.81% | 113.73% | 116.76% | +384 bps | |
| Liquid Assets / Assets | 2.79% | 1.39% | 2.73% | 3.27% | 2.54% | 1.74% | 3.14% | 1.70% | -157 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 197.99% | 206% | 208% | n/a | n/a | |