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 | |