Muscle Shoals, AL · Cert 27381 · First Metro Bcorp
State charter, non-member · FDIC · 11 branches
Q2 2026
Market Position · Florence-Muscle Shoals, AL · 2026 SOD (annual) · 20.9% share · #2 of 16 inst. · $0.8B of $3.9B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.63% | 1.60% | 1.55% | 1.65% | 1.69% | 1.71% | 1.57% | 1.62% | -3 bps | |
| Return on Equity | 19.22% | 18.69% | 16.78% | 17.43% | 17.22% | 17.12% | 14.50% | 14.77% | -266 bps | |
| Net Interest Margin | 3.43% | 3.46% | 3.40% | 3.49% | 3.56% | 3.58% | 3.40% | 3.45% | -4 bps | |
| Efficiency Ratio | 43.14% | 43.32% | 45.91% | 44.34% | 43.89% | 43.79% | 45.53% | 44.72% | +37 bps | |
| Non-Interest Burden | 1.23% | 1.25% | 1.33% | 1.31% | 1.32% | 1.33% | 1.30% | 1.30% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.24% | 0.26% | -0.65% | 3.11% | 1.23% | 2.61% | 1.22% | 1.40% | -171 bps | |
| Loan Growth (YoY) | 9.52% | 5.60% | 2.35% | -0.18% | 1.18% | 3.13% | 4.33% | 6.54% | +672 bps | |
| Deposit Growth (YoY) | 6.13% | 4.50% | 4.41% | 4.64% | -0.13% | 0.54% | -0.29% | -0.02% | -467 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.08% | 0.23% | 0.02% | 0.38% | 0.10% | 0.10% | 0.10% | 0.13% | -25 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.07% | 0.02% | 0.03% | 0.03% | 0.06% | 0.40% | 0.22% | +19 bps | |
| Allowance / Loans | 0.97% | 1.13% | 1.14% | 1.14% | 1.09% | 1.10% | 1.00% | 0.99% | -15 bps | |
| Allowance Coverage of NPLs | 12.4x | 4.9x | 66.1x | 3.0x | 10.8x | 11.5x | 10.1x | 7.6x | +4.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.49% | 11.49% | 11.69% | 12.04% | 12.48% | 12.45% | 12.70% | 12.98% | +94 bps | |
| Total Risk-Based Capital | 11.49% | 11.49% | 11.69% | 12.04% | 12.48% | 12.45% | 12.70% | 12.98% | +94 bps | |
| Equity / Assets | 9.58% | 8.96% | 9.48% | 9.93% | 10.80% | 10.78% | 10.88% | 11.22% | +129 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.94% | 64.11% | 63.13% | 62.97% | 65.79% | 65.76% | 66.05% | 67.10% | +413 bps | |
| Liquid Assets / Assets | 10.65% | 12.79% | 13.02% | 12.11% | 7.72% | 7.86% | 8.16% | 7.62% | -449 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 228% | 233% | 235% | n/a | n/a | |