Hazel Green, AL · Cert 27560 · Bolc Corp.
State charter, non-member · FDIC · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
38
Asset Quality
52
Profitability
82
Liquidity
49
Efficiency
54
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Hazel Green, AL · Cert 27560 · Bolc Corp.
State charter, non-member · FDIC · 1 affiliate bank · 4 branches (7 in holding)
Q2 2026
Market Position · Huntsville, AL · 2026 SOD (annual) · 1.3% share · #18 of 37 inst. · $0.2B 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.37% | 1.40% | 1.33% | 1.50% | 1.49% | 1.61% | 1.51% | 1.53% | +3 bps | |
| Return on Equity | 14.61% | 14.79% | 13.79% | 15.24% | 15.02% | 15.86% | 13.67% | 13.66% | -158 bps | |
| Net Interest Margin | 4.68% | 4.62% | 4.66% | 4.79% | 4.82% | 5.00% | 5.07% | 5.11% | +32 bps | |
| Efficiency Ratio | 61.52% | 60.94% | 62.00% | 60.40% | 60.30% | 58.61% | 61.91% | 61.54% | +114 bps | |
| Non-Interest Burden | 2.79% | 2.72% | 2.79% | 2.79% | 2.79% | 2.80% | 3.02% | 3.03% | +25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.07% | 2.60% | 2.05% | 2.13% | 4.09% | -1.56% | -1.95% | -0.06% | -219 bps | |
| Loan Growth (YoY) | 5.59% | 6.11% | 3.66% | 4.52% | -0.14% | -1.86% | -2.46% | -1.43% | -595 bps | |
| Deposit Growth (YoY) | 1.18% | 0.14% | -0.74% | -0.94% | 4.17% | -2.23% | -1.88% | 0.44% | +138 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.08% | 0.21% | 0.22% | 0.14% | 0.31% | 0.55% | 0.02% | 0.15% | +1 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | 0.00% | 0.02% | 0.02% | 0.02% | 0.10% | 0.05% | +3 bps | |
| Allowance / Loans | 1.11% | 1.09% | 1.08% | 1.08% | 1.12% | 1.14% | 1.10% | 1.06% | -2 bps | |
| Allowance Coverage of NPLs | 14.2x | 5.1x | 4.8x | 7.8x | 3.6x | 2.1x | 48.8x | 7.3x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.89% | 9.94% | 9.92% | 10.22% | 10.44% | 10.79% | 11.28% | 11.73% | +150 bps | |
| Total Risk-Based Capital | 9.89% | 9.94% | 9.92% | 10.22% | 10.44% | 10.79% | 11.28% | 11.73% | +150 bps | |
| Equity / Assets | 9.89% | 9.65% | 9.69% | 10.09% | 10.32% | 10.94% | 11.22% | 11.42% | +133 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.48% | 89.53% | 90.10% | 91.06% | 87.69% | 89.87% | 89.57% | 89.36% | -170 bps | |
| Liquid Assets / Assets | 3.95% | 5.70% | 3.99% | 5.00% | 9.23% | 6.65% | 6.50% | 7.09% | +209 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 366% | 343% | 329% | n/a | n/a | |
Hazel Green, AL · Cert 27560 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Bolc Corp.
State charter, non-member · FDIC · 1 affiliate bank · 4 branches (7 in holding)
Q2 2026
Return on Assets
1.51%
Rank 169 of 746
Net Interest Margin
5.11%
Rank 25 of 746
Efficiency Ratio
63.26%
Rank 345 of 746
Equity / Assets
11.42%
Rank 289 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.51% | 0.72% | 1.06% | 1.45% | Beats 77% | 169 / 746 | ||
| Return on Equity | 13.22% | 6.74% | 10.51% | 13.63% | Beats 71% | 214 / 746 | ||
| Net Interest Margin | 5.11% | 3.17% | 3.68% | 4.16% | Beats 97% | 25 / 746 | ||
| Efficiency Ratio | 63.26% | 55.74% | 64.58% | 75.47% | Beats 54% | 345 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.15% | 0.09% | 0.42% | 1.07% | Beats 70% | 222 / 743 | ||
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.05% | Beats 34% | 488 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.73% | 11.55% | 13.75% | 17.60% | Beats 28% | 540 / 746 | ||
| Total Risk-Based Capital Ratio | 11.73% | 11.71% | 14.33% | 18.43% | Beats 26% | 554 / 746 | ||
| Equity / Assets | 11.42% | 8.90% | 10.51% | 13.06% | Beats 61% | 289 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 89.36% | 61.31% | 78.27% | 90.78% | 72nd pctl | 206 / 746 | ||
| Loans / Assets | 78.06% | 53.60% | 66.97% | 76.08% | 80th pctl | 150 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||