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 (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 | 1.53% | 1.52% | 1.53% | 1.58% | 1.62% | 1.57% | 1.17% | 1.41% | -17 bps | |
| Return on Equity | 10.90% | 10.99% | 11.57% | 11.81% | 11.94% | 11.55% | 8.43% | 10.08% | -172 bps | |
| Net Interest Margin | 3.29% | 3.26% | 3.42% | 3.49% | 3.49% | 3.49% | 3.26% | 3.36% | -13 bps | |
| Efficiency Ratio | 49.75% | 47.33% | 47.84% | 47.89% | 48.08% | 47.68% | 55.17% | 50.98% | +309 bps | |
| Non-Interest Burden | 1.40% | 1.30% | 1.40% | 1.45% | 1.45% | 1.43% | 1.61% | 1.49% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.14% | 10.77% | 8.04% | 7.09% | 3.42% | 4.48% | 5.23% | 2.84% | -425 bps | |
| Loan Growth (YoY) | 12.83% | 12.27% | 9.05% | 7.85% | 7.95% | 5.95% | 4.99% | 1.86% | -598 bps | |
| Deposit Growth (YoY) | 9.85% | 12.12% | 8.61% | 7.72% | 3.53% | 3.75% | 4.74% | 2.02% | -570 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.58% | 0.78% | 0.68% | 0.48% | 0.14% | 1.38% | 1.65% | 1.18% | +70 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.08% | 0.04% | 0.16% | 0.22% | 0.17% | 0.07% | 0.18% | +2 bps | |
| Allowance / Loans | 1.20% | 1.37% | 1.35% | 1.24% | 1.13% | 1.20% | 1.21% | 1.15% | -8 bps | |
| Allowance Coverage of NPLs | 2.1x | 1.7x | 2.0x | 2.6x | 8.3x | 0.9x | 0.7x | 1.0x | -1.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.88% | 13.70% | 13.99% | 14.42% | 14.54% | 14.40% | 14.43% | 14.68% | +27 bps | |
| Total Risk-Based Capital | 14.88% | 13.70% | 13.99% | 14.42% | 14.54% | 14.40% | 14.43% | 14.68% | +27 bps | |
| Equity / Assets | 14.11% | 13.08% | 13.38% | 13.64% | 14.15% | 13.78% | 13.84% | 14.41% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 58.18% | 57.84% | 57.66% | 59.20% | 60.66% | 59.07% | 57.80% | 59.11% | -9 bps | |
| Liquid Assets / Assets | 40.90% | 41.21% | 40.19% | 39.41% | 37.19% | 38.92% | 40.02% | 39.00% | -42 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 235% | 236% | 227% | n/a | n/a | |