Stevenson, AL · Cert 2829 · First Bancshares Stevenson Inc.
State charter, non-member · FDIC · 11 branches
Q2 2026
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 | 1.19% | 1.12% | 0.98% | 1.09% | 1.20% | 1.24% | 1.41% | 1.46% | +38 bps | |
| Return on Equity | 16.79% | 15.76% | 13.15% | 14.42% | 15.49% | 15.53% | 16.01% | 16.53% | +211 bps | |
| Net Interest Margin | 2.85% | 2.83% | 2.94% | 3.03% | 3.08% | 3.13% | 3.41% | 3.45% | +42 bps | |
| Efficiency Ratio | 58.43% | 59.26% | 60.11% | 58.97% | 56.67% | 55.64% | 52.94% | 53.02% | -595 bps | |
| Non-Interest Burden | 1.40% | 1.43% | 1.56% | 1.57% | 1.50% | 1.49% | 1.54% | 1.55% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.14% | 4.97% | 6.10% | 5.94% | 4.96% | 6.68% | 5.70% | 4.51% | -144 bps | |
| Loan Growth (YoY) | 6.12% | 2.91% | 3.80% | 4.58% | 3.49% | 5.39% | 6.68% | 5.51% | +93 bps | |
| Deposit Growth (YoY) | 4.17% | 4.48% | 4.87% | 5.04% | 4.32% | 4.88% | 4.40% | 3.16% | -188 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.21% | 0.21% | 0.12% | 0.17% | 0.08% | 0.07% | 0.03% | 0.25% | +7 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.12% | 0.10% | 0.08% | 0.06% | 0.11% | 0.14% | 0.11% | +3 bps | |
| Allowance / Loans | 1.20% | 1.21% | 1.20% | 1.20% | 1.21% | 1.20% | 1.19% | 1.21% | 0 bps | |
| Allowance Coverage of NPLs | 5.8x | 5.7x | 9.9x | 7.0x | 15.2x | 17.1x | 42.5x | 4.9x | -2.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.96% | 9.89% | 10.07% | 10.05% | 10.19% | 10.30% | 10.42% | 10.59% | +54 bps | |
| Total Risk-Based Capital | 9.96% | 9.89% | 10.07% | 10.05% | 10.19% | 10.30% | 10.42% | 10.59% | +54 bps | |
| Equity / Assets | 7.90% | 7.14% | 7.69% | 7.73% | 8.52% | 8.73% | 8.82% | 8.97% | +124 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.61% | 60.84% | 60.99% | 60.69% | 61.12% | 61.13% | 62.32% | 62.08% | +138 bps | |
| Liquid Assets / Assets | 6.54% | 7.23% | 7.13% | 7.97% | 7.19% | 7.32% | 6.14% | 5.50% | -247 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 226% | 225% | 224% | n/a | n/a | |