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Amory First Savings and Loan Bank, SSB

Amory, MS · Cert 28949

State charter, Fed member · FED · 1 branch

Q2 2026

$78.7MAssets
$62.3MLoans
$68.1MDeposits
$10.2MEquity
Loan mix
99%RE $61.7M0%C&I $0.0M1%Consumer $0.4MQ2 2025Q2 2026
Deposit mix
100%Interest-bearing $68.1M0%Noninterest $0.0MQ2 2025Q2 2026

NIM

4.58%Q2 ’244.92%Q2 ’255.15%Q2 ’26+27%+12%

Non-interest income vs. expense

1.94%Q2 ’242.28%Q2 ’251.89%Q2 ’26+102%-14%

Executive Summary

  • Earnings: ROA of 0.62%, up 46 bps year over year; NIM at 2.56%.
  • Asset quality: problem loans at 1.37% of loans (+31 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 13.11%, down 42 bps from a year ago.
  • Funding: loans stand at 91.45% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.62%+46 bps YoY

Net Interest Margin (YTD, annualized)

2.56%+27 bps YoY

Efficiency Ratio (YTD, annualized)

73.08%-2,147 bps YoY

Tier 1 Leverage Ratio

13.11%-42 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.16%0.26%0.33%0.16%0.62%+46 bps
Return on Equity1.19%1.99%2.52%1.22%4.78%+359 bps
Net Interest Margin2.29%2.26%2.34%2.48%2.56%+27 bps
Efficiency Ratio94.55%84.98%83.71%93.74%73.08%-2,147 bps
Non-Interest Burden2.16%1.91%1.95%2.33%1.86%-30 bps
Growth
Asset Growth (YoY)-3.18%2.08%6.24%7.54%9.53%+1,271 bps
Loan Growth (YoY)14.22%18.44%21.70%17.08%10.23%-399 bps
Deposit Growth (YoY)-2.68%5.39%6.74%8.04%10.87%+1,356 bps
Asset Quality
Nonperforming Loans / Loans1.05%0.82%0.74%1.00%1.37%+31 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.06%0.03%+3 bps
Allowance / Loans0.94%1.01%0.99%0.95%1.00%+6 bps
Allowance Coverage of NPLs0.9x1.2x1.3x0.9x0.7x-0.2x
Capital
Tier 1 Leverage Ratio13.54%13.08%12.97%12.97%13.11%-42 bps
Total Risk-Based Capital13.54%13.08%12.97%12.97%13.11%-42 bps
Equity / Assets13.43%13.00%13.10%12.72%12.92%-51 bps
Liquidity & Funding
Loans / Deposits91.98%90.82%92.48%92.97%91.45%-53 bps
Liquid Assets / Assets7.87%9.54%8.75%9.16%7.47%-40 bps
CRE / Total Capitaln/a37.33%46.48%42.20%n/an/a