Boaz, AL · Cert 2784 · First Boaz Bcorp
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.98% | 1.14% | 0.95% | 0.76% | 0.95% | -3 bps | |
| Return on Equity | 9.58% | 10.47% | 7.96% | 6.23% | 7.96% | -161 bps | |
| Net Interest Margin | 2.35% | 2.35% | 2.35% | 2.25% | 2.37% | +1 bps | |
| Efficiency Ratio | 57.18% | 53.45% | 55.83% | 64.03% | 60.25% | +307 bps | |
| Non-Interest Burden | 1.28% | 1.09% | 1.24% | 1.38% | 1.35% | +8 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.41% | -0.54% | -0.81% | -5.80% | -0.62% | +379 bps | |
| Loan Growth (YoY) | 1.25% | 0.17% | 7.11% | 7.50% | 8.07% | +682 bps | |
| Deposit Growth (YoY) | 2.38% | 7.94% | 4.27% | -0.49% | 1.15% | -123 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.07% | 0.01% | 0.00% | 0.04% | 0.05% | -2 bps | |
| Net Charge-Offs / Loans | 0.01% | -0.01% | 0.00% | 0.00% | -0.03% | -4 bps | |
| Allowance / Loans | 1.58% | 1.56% | 1.48% | 1.49% | 1.47% | -11 bps | |
| Allowance Coverage of NPLs | 23.8x | 171.0x | n/a | 41.0x | 30.3x | +6.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 19.00% | 19.33% | 19.88% | 19.98% | 19.66% | +66 bps | |
| Total Risk-Based Capital | 19.00% | 19.33% | 19.88% | 19.98% | 19.66% | +66 bps | |
| Equity / Assets | 10.26% | 11.51% | 12.41% | 11.85% | 12.07% | +182 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 31.56% | 30.93% | 33.94% | 33.79% | 33.72% | +216 bps | |
| Liquid Assets / Assets | 8.73% | 9.40% | 4.07% | 4.79% | 3.54% | -519 bps | |
| CRE / Total Capital | n/a | 53.52% | 59.31% | 58.29% | n/a | n/a | |