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 | |