Cullman, AL · Cert 27118 · FCB Bancshares Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Huntsville, AL · 2026 SOD (annual) · 0.4% share · #26 of 37 inst. · $0.0B of $12.4B
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 | 0.95% | 0.95% | 0.94% | 0.84% | 0.90% | -6 bps | |
| Return on Equity | 12.40% | 12.15% | 11.78% | 10.02% | 10.62% | -177 bps | |
| Net Interest Margin | 3.91% | 3.85% | 3.90% | 3.89% | 3.98% | +7 bps | |
| Efficiency Ratio | 71.19% | 71.05% | 71.90% | 73.73% | 73.79% | +260 bps | |
| Non-Interest Burden | 2.57% | 2.52% | 2.60% | 2.68% | 2.74% | +17 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.78% | 1.47% | 2.61% | -0.82% | 1.01% | -277 bps | |
| Loan Growth (YoY) | 9.23% | 9.24% | 11.42% | 9.83% | 10.50% | +127 bps | |
| Deposit Growth (YoY) | 2.73% | 0.76% | 1.69% | -1.64% | 0.53% | -220 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.04% | 0.02% | 0.05% | 0.03% | 0.00% | -4 bps | |
| Net Charge-Offs / Loans | 0.19% | 0.20% | 0.15% | 0.17% | -0.15% | -34 bps | |
| Allowance / Loans | 1.01% | 1.01% | 1.02% | 1.01% | 1.13% | +12 bps | |
| Allowance Coverage of NPLs | 23.4x | 49.5x | 21.5x | 32.9x | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.28% | 9.11% | 9.26% | 9.29% | 9.37% | +9 bps | |
| Total Risk-Based Capital | 17.79% | 15.81% | 17.30% | 16.81% | 17.29% | -51 bps | |
| Equity / Assets | 8.01% | 8.24% | 8.35% | 8.48% | 8.53% | +52 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.55% | 64.80% | 65.09% | 67.51% | 68.76% | +621 bps | |
| Liquid Assets / Assets | 16.71% | 19.73% | 18.59% | 16.18% | 14.80% | -191 bps | |
| CRE / Total Capital | n/a | 161.43% | 168.26% | 150.88% | n/a | n/a | |