Hartford, AL · Cert 2804 · First Hartford Bancshares Inc.
National charter · OCC · 3 branches
Q2 2026
Market Position · Dothan, AL · 2026 SOD (annual) · 2.9% share · #14 of 18 inst. · $0.1B of $4.7B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.92% | 0.95% | 1.12% | 1.36% | 1.16% | +24 bps | |
| Return on Equity | 8.98% | 9.06% | 10.56% | 12.09% | 10.37% | +139 bps | |
| Net Interest Margin | 3.66% | 3.79% | 3.77% | 3.86% | 3.93% | +27 bps | |
| Efficiency Ratio | 78.51% | 77.74% | 74.87% | 70.17% | 72.92% | -559 bps | |
| Non-Interest Burden | 2.42% | 2.49% | 2.30% | 2.07% | 2.35% | -7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.33% | 5.35% | 7.67% | 8.12% | 7.02% | -132 bps | |
| Loan Growth (YoY) | 4.48% | 6.51% | 6.98% | 9.98% | 6.97% | +249 bps | |
| Deposit Growth (YoY) | 7.46% | 4.76% | 6.14% | 6.98% | 6.10% | -135 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.47% | 0.83% | 0.91% | 1.09% | 1.19% | -27 bps | |
| Net Charge-Offs / Loans | 0.13% | 0.11% | 0.10% | 0.08% | 0.17% | +4 bps | |
| Allowance / Loans | 1.03% | 1.05% | 1.06% | 1.05% | 1.08% | +6 bps | |
| Allowance Coverage of NPLs | 0.7x | 1.3x | 1.2x | 1.0x | 0.9x | +0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.56% | 12.80% | 12.66% | 12.86% | 12.88% | +32 bps | |
| Total Risk-Based Capital | 12.56% | 12.80% | 12.66% | 12.86% | 12.88% | +32 bps | |
| Equity / Assets | 10.52% | 11.00% | 11.23% | 11.20% | 11.20% | +68 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.29% | 63.37% | 63.48% | 63.22% | 62.80% | +51 bps | |
| Liquid Assets / Assets | 0.59% | 0.58% | 0.48% | 0.68% | 0.62% | +4 bps | |
| CRE / Total Capital | n/a | 110.82% | 108.73% | 112.21% | n/a | n/a | |