Pell City, AL · Cert 27510
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Birmingham, AL · 2026 SOD (annual) · 1.4% share · #13 of 49 inst. · $0.8B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.63% | 1.70% | 1.44% | 1.17% | 1.65% | +3 bps | |
| Return on Equity | 12.03% | 12.23% | 10.30% | 8.43% | 11.70% | -33 bps | |
| Net Interest Margin | 3.56% | 3.64% | 3.53% | 3.26% | 3.49% | -7 bps | |
| Efficiency Ratio | 47.95% | 48.42% | 46.53% | 55.17% | 47.12% | -83 bps | |
| Non-Interest Burden | 1.49% | 1.52% | 1.39% | 1.61% | 1.40% | -9 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.09% | 3.42% | 4.48% | 5.23% | 2.84% | -425 bps | |
| Loan Growth (YoY) | 7.85% | 7.95% | 5.95% | 4.99% | 1.86% | -598 bps | |
| Deposit Growth (YoY) | 7.72% | 3.53% | 3.75% | 4.74% | 2.02% | -570 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.48% | 0.14% | 1.38% | 1.65% | 1.18% | +70 bps | |
| Net Charge-Offs / Loans | 0.29% | 0.34% | 0.03% | 0.07% | 0.30% | +1 bps | |
| Allowance / Loans | 1.24% | 1.13% | 1.20% | 1.21% | 1.15% | -8 bps | |
| Allowance Coverage of NPLs | 2.6x | 8.3x | 0.9x | 0.7x | 1.0x | -1.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.42% | 14.54% | 14.40% | 14.43% | 14.68% | +27 bps | |
| Total Risk-Based Capital | 14.42% | 14.54% | 14.40% | 14.43% | 14.68% | +27 bps | |
| Equity / Assets | 13.64% | 14.15% | 13.78% | 13.84% | 14.41% | +78 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 59.20% | 60.66% | 59.07% | 57.80% | 59.11% | -9 bps | |
| Liquid Assets / Assets | 39.41% | 37.19% | 38.92% | 40.02% | 39.00% | -42 bps | |
| CRE / Total Capital | n/a | 235% | 236% | 227% | n/a | n/a | |