Talladega, AL · Cert 2832 · Firstbanc of Alabama Inc.
State charter, non-member · FDIC · 18 branches
Q2 2026
Market Position · Anniston-Oxford, AL · 2026 SOD (annual) · 4.4% share · #9 of 11 inst. · $0.1B of $2.1B
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 | 1.86% | 1.54% | 1.60% | 1.33% | 1.95% | 1.64% | 1.44% | 1.31% | -2 bps | |
| Return on Equity | 26.47% | 21.99% | 22.62% | 18.74% | 26.50% | 21.97% | 18.43% | 16.45% | -228 bps | |
| Net Interest Margin | 3.30% | 3.32% | 3.73% | 3.73% | 3.77% | 3.66% | 4.14% | 3.76% | +3 bps | |
| Efficiency Ratio | 52.04% | 53.56% | 53.61% | 55.06% | 43.11% | 47.88% | 58.32% | 61.76% | +670 bps | |
| Non-Interest Burden | 1.17% | 1.32% | 1.68% | 1.78% | 0.48% | 0.97% | 2.21% | 2.15% | +37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.60% | 15.83% | 9.28% | 4.62% | 2.80% | 5.50% | 22.14% | 22.73% | +1,812 bps | |
| Loan Growth (YoY) | 2.73% | 2.43% | 0.90% | -1.59% | 5.26% | 1.95% | 16.40% | 15.13% | +1,672 bps | |
| Deposit Growth (YoY) | 11.56% | 14.93% | 8.09% | 3.69% | 0.09% | 2.79% | 19.33% | 19.45% | +1,576 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.74% | 2.43% | 1.23% | 0.23% | 0.92% | 3.38% | 2.93% | 3.40% | +317 bps | |
| Net Charge-Offs / Loans | 0.50% | 0.69% | 1.85% | 1.21% | 0.80% | 0.81% | -0.10% | 0.33% | -88 bps | |
| Allowance / Loans | 1.50% | 1.55% | 1.15% | 1.09% | 1.26% | 1.32% | 1.28% | 1.15% | +7 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.6x | 0.9x | 4.7x | 1.4x | 0.4x | 0.4x | 0.3x | -4.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.08% | 9.90% | 10.05% | 10.32% | 11.05% | 10.58% | 10.65% | 9.82% | -50 bps | |
| Total Risk-Based Capital | 14.32% | 14.08% | 14.23% | 14.37% | 14.76% | 15.07% | 13.49% | 14.35% | -2 bps | |
| Equity / Assets | 7.37% | 6.93% | 7.18% | 7.19% | 8.13% | 7.85% | 7.77% | 8.23% | +104 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.13% | 67.20% | 68.41% | 69.21% | 73.76% | 66.66% | 66.73% | 66.71% | -250 bps | |
| Liquid Assets / Assets | 4.14% | 5.57% | 3.55% | 4.60% | 3.56% | 6.26% | 5.96% | 4.04% | -56 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 353% | 343% | 362% | n/a | n/a | |