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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 $0.4MQ3 2024Q2 2026
Deposit mix
100%Interest-bearing $68.1M0%Noninterest $0.0MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.07%, up 110 bps year over year; NIM at 2.69%.
  • Asset quality: problem loans at 1.37% of loans (+31 bps YoY), with net charge-offs at 0.00%.
  • 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.

Return on Assets (quarter, annualized)

1.07%+110 bps YoY

Net Interest Margin (quarter, annualized)

2.69%+32 bps YoY

Efficiency Ratio (quarter, annualized)

54.58%-4,838 bps YoY

Tier 1 Leverage Ratio

13.11%-42 bps YoY

NIM

4.57%Q2 ’244.99%Q2 ’255.28%Q2 ’26+34%+14%

Non-interest income vs. expense

2.09%Q2 ’242.67%Q2 ’251.49%Q2 ’26+585%-41%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.17%0.09%0.35%-0.03%0.47%0.53%0.16%1.07%+110 bps
Return on Equity-1.35%0.71%2.59%-0.21%3.58%4.07%1.22%8.33%+854 bps
Net Interest Margin1.90%2.05%2.21%2.36%2.38%2.70%2.48%2.69%+32 bps
Efficiency Ratio109.01%95.51%84.77%102.96%66.37%80.39%93.74%54.58%-4,838 bps
Non-Interest Burden2.08%1.95%1.87%2.44%1.57%2.18%2.33%1.44%-99 bps
Growth
Asset Growth (YoY)-6.30%-7.07%-8.03%-3.18%2.08%6.24%7.54%9.53%+1,271 bps
Loan Growth (YoY)4.29%4.57%8.87%14.22%18.44%21.70%17.08%10.23%-399 bps
Deposit Growth (YoY)-4.95%-5.01%-6.52%-2.68%5.39%6.74%8.04%10.87%+1,356 bps
Asset Quality
Nonperforming Loans / Loans1.05%0.63%0.99%1.05%0.82%0.74%1.00%1.37%+31 bps
Net Charge-Offs / Loans0.18%0.00%0.00%0.00%0.00%0.00%0.06%0.00%0 bps
Allowance / Loans1.06%1.07%1.00%0.94%1.01%0.99%0.95%1.00%+6 bps
Allowance Coverage of NPLs1.0x1.7x1.0x0.9x1.2x1.3x0.9x0.7x-0.2x
Capital
Tier 1 Leverage Ratio13.20%13.32%13.44%13.54%13.08%12.97%12.97%13.11%-42 bps
Total Risk-Based Capital13.20%13.32%13.44%13.54%13.08%12.97%12.97%13.11%-42 bps
Equity / Assets12.93%13.38%13.44%13.43%13.00%13.10%12.72%12.92%-51 bps
Liquidity & Funding
Loans / Deposits80.81%81.12%85.80%91.98%90.82%92.48%92.97%91.45%-53 bps
Liquid Assets / Assets14.60%14.41%12.03%7.87%9.54%8.75%9.16%7.47%-40 bps
CRE / Total Capitaln/an/an/an/a37.33%46.48%42.20%n/an/a