Atmore, AL · Cert 2779 · First Suncoast Tr Bancshares
National charter · OCC · 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 (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
21
Asset Quality
87
Profitability
28
Liquidity
63
Efficiency
32
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.
Atmore, AL · Cert 2779 · First Suncoast Tr Bancshares
National charter · OCC · 4 branches
Q2 2026
Market Position · Mobile, AL · 2026 SOD (annual) · 0.2% share · #23 of 25 inst. · $0.0B of $10.6B
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 | 0.84% | 0.68% | 0.27% | 0.28% | 0.29% | 0.29% | 0.44% | 0.41% | +13 bps | |
| Return on Equity | 12.09% | 10.04% | 4.05% | 4.15% | 4.15% | 4.04% | 5.87% | 5.37% | +122 bps | |
| Net Interest Margin | 3.42% | 3.29% | 3.13% | 3.16% | 3.23% | 3.19% | 3.33% | 3.41% | +25 bps | |
| Efficiency Ratio | 75.64% | 79.36% | 80.32% | 80.49% | 80.39% | 80.32% | 74.22% | 75.48% | -501 bps | |
| Non-Interest Burden | 2.36% | 2.44% | 2.37% | 2.41% | 2.46% | 2.43% | 2.28% | 2.40% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.34% | 1.18% | 6.47% | 5.92% | 3.79% | 10.31% | 6.78% | 5.56% | -36 bps | |
| Loan Growth (YoY) | 2.75% | -0.97% | 5.71% | 3.49% | 4.39% | 4.73% | 3.11% | 6.07% | +258 bps | |
| Deposit Growth (YoY) | 1.51% | 4.33% | 6.17% | 5.67% | 3.72% | 8.86% | 6.12% | 4.45% | -122 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.42% | 1.43% | 1.39% | 1.39% | 0.00% | 0.00% | 0.00% | 0.10% | -129 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | -0.01% | 0.05% | 1.35% | 1.02% | 0.00% | 0.00% | -5 bps | |
| Allowance / Loans | 1.49% | 1.50% | 1.62% | 1.75% | 0.88% | 1.06% | 1.25% | 1.41% | -34 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.1x | 1.2x | 1.3x | n/a | n/a | n/a | 14.2x | +13.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.11% | 11.74% | 12.10% | 11.91% | 12.03% | 11.68% | 11.50% | 11.54% | -36 bps | |
| Total Risk-Based Capital | 12.11% | 11.74% | 12.10% | 11.91% | 12.03% | 11.68% | 11.50% | 11.54% | -36 bps | |
| Equity / Assets | 7.50% | 6.37% | 6.96% | 6.86% | 7.60% | 7.66% | 7.47% | 7.82% | +96 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.25% | 68.11% | 67.24% | 67.67% | 68.69% | 65.53% | 65.33% | 68.72% | +105 bps | |
| Liquid Assets / Assets | 1.93% | 1.75% | 1.90% | 2.54% | 2.30% | 2.66% | 2.38% | 2.28% | -26 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 196.29% | 193.44% | 204% | n/a | n/a | |
Atmore, AL · Cert 2779 · Peer group: banks under $1B in assets (n=581-629) · First Suncoast Tr Bancshares
National charter · OCC · 4 branches
Q2 2026
Return on Assets
0.41%
Rank 524 of 629
Net Interest Margin
3.41%
Rank 359 of 629
Efficiency Ratio
75.48%
Rank 427 of 629
Equity / Assets
7.82%
Rank 563 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.41% | 0.60% | 1.01% | 1.45% | Beats 17% | 524 / 629 | n/a | |
| Return on Equity | 5.30% | 5.38% | 9.30% | 13.28% | Beats 24% | 475 / 629 | n/a | |
| Net Interest Margin | 3.41% | 3.03% | 3.54% | 4.05% | Beats 43% | 359 / 629 | n/a | |
| Efficiency Ratio | 75.48% | 58.35% | 67.79% | 79.08% | Beats 32% | 427 / 629 | n/a | |
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.10% | 0.09% | 0.46% | 1.20% | Beats 74% | 154 / 581 | n/a | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | n/a | |
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.54% | 11.24% | 13.84% | 18.77% | Beats 29% | 449 / 629 | n/a | |
| Total Risk-Based Capital Ratio | 11.54% | 11.58% | 14.43% | 19.66% | Beats 24% | 475 / 629 | n/a | |
| Equity / Assets | 7.82% | 9.09% | 10.65% | 13.80% | Beats 10% | 563 / 629 | n/a | |
| Liquidity & Funding | ||||||||
| Loans / Deposits | 68.72% | 67.24% | 80.90% | 93.48% | 28th pctl | 430 / 594 | n/a | |
| Loans / Assets | 63.04% | 53.31% | 67.71% | 78.15% | 41st pctl | 371 / 629 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||