North Alabama Bank
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
$178.6MAssets
$139.4MLoans
$156.0MDeposits
$20.4MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 97% of banks under $1B in assets operating in a single state (rank 25 of 746).
- Widest gap: total risk-based capital ratio trails 74% of banks under $1B in assets operating in a single state (rank 554 of 746).
- Overall: at or above the peer median on 6 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $5.3M · efficiency ratio beats 54% of banks under $1B in assets operating in a single state | 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 |