Union Springs, AL · Cert 32968
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
33
Asset Quality
56
Profitability
7
Liquidity
80
Efficiency
2
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Union Springs, AL · Cert 32968
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Huntsville, AL · 2026 SOD (annual) · 0.3% share · #28 of 37 inst. · $0.0B of $12.4B
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 | -2.95% | -3.35% | -4.27% | -4.83% | -5.39% | -5.56% | -5.52% | -4.32% | +51 bps | |
| Return on Equity | -23.25% | -26.68% | -35.03% | -40.38% | -45.95% | -49.47% | -58.00% | -47.10% | -672 bps | |
| Net Interest Margin | 3.25% | 3.15% | 3.17% | 3.37% | 3.26% | 2.97% | 2.68% | 2.82% | -55 bps | |
| Efficiency Ratio | 161.17% | 167.48% | 185.49% | 198.80% | 218% | 227% | 261% | 224% | +2,542 bps | |
| Non-Interest Burden | 5.50% | 5.61% | 6.60% | 7.35% | 7.81% | 7.40% | 7.60% | 6.77% | -58 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 46.88% | 49.61% | 14.69% | 13.44% | 13.65% | 13.19% | 23.41% | 39.94% | +2,651 bps | |
| Loan Growth (YoY) | 48.74% | 57.06% | 76.33% | 137.46% | 44.92% | 55.70% | 68.59% | 67.02% | -7,044 bps | |
| Deposit Growth (YoY) | 21.83% | 31.06% | 20.16% | 19.27% | 17.92% | 16.04% | 27.22% | 44.98% | +2,571 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.71% | 1.75% | 1.55% | 1.29% | 1.15% | 0.13% | 0.81% | 0.18% | -111 bps | |
| Net Charge-Offs / Loans | 1.78% | 1.28% | -0.04% | -0.02% | 0.05% | -0.28% | -0.39% | -0.15% | -13 bps | |
| Allowance / Loans | 2.76% | 3.12% | 3.14% | 2.73% | 3.00% | 3.29% | 2.96% | 2.41% | -31 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.8x | 2.0x | 2.1x | 2.6x | 25.5x | 3.6x | 13.7x | +11.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 20.23% | 18.25% | 17.07% | 16.33% | 16.43% | 13.61% | 13.50% | 12.97% | -336 bps | |
| Total Risk-Based Capital | 44.10% | 41.30% | 34.91% | 27.28% | 27.89% | 23.62% | 13.50% | 12.97% | -1,430 bps | |
| Equity / Assets | 14.94% | 12.20% | 12.18% | 11.46% | 11.08% | 9.52% | 9.51% | 8.54% | -292 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 44.61% | 42.55% | 49.58% | 64.51% | 54.82% | 57.10% | 65.70% | 74.31% | +981 bps | |
| Liquid Assets / Assets | 26.82% | 31.61% | 20.90% | 8.66% | 17.35% | 18.37% | 10.57% | 3.36% | -531 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 91.27% | 118.07% | 142.47% | n/a | n/a | |
Union Springs, AL · Cert 32968 · Peer group: banks under $1B in assets (n=581-629)
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
-3.98%
Rank 616 of 629
Net Interest Margin
2.82%
Rank 523 of 629
Efficiency Ratio
224%
Rank 620 of 629
Equity / Assets
8.54%
Rank 517 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -3.98% | 0.60% | 1.01% | 1.45% | Beats 2% | 616 / 629 | ||
| Return on Equity | -46.61% | 5.38% | 9.30% | 13.28% | Beats 1% | 625 / 629 | ||
| Net Interest Margin | 2.82% | 3.03% | 3.54% | 4.05% | Beats 17% | 523 / 629 | ||
| Efficiency Ratio | 224% | 58.35% | 67.79% | 79.08% | Beats 2% | 620 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.18% | 0.09% | 0.46% | 1.20% | Beats 67% | 193 / 581 | ||
| Net Charge-Offs / Loans | 0.02% | n/a | 0.01% | 0.06% | Beats 45% | 322 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.97% | 11.24% | 13.84% | 18.77% | Beats 44% | 353 / 629 | ||
| Total Risk-Based Capital Ratio | 12.97% | 11.58% | 14.43% | 19.66% | Beats 38% | 388 / 629 | ||
| Equity / Assets | 8.54% | 9.09% | 10.65% | 13.80% | Beats 18% | 517 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.31% | 67.24% | 80.90% | 93.48% | 37th pctl | 372 / 594 | ||
| Loans / Assets | 67.18% | 53.31% | 67.71% | 78.15% | 48th pctl | 325 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||