Bank47
Union Springs, AL · Cert 32968 · Peer group: banks under $1B in assets (n=581-629)
State charter, non-member · FDIC · 2 branches
Q2 2026
$97.0MAssets
$65.1MLoans
$87.7MDeposits
$8.3MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 67% of banks under $1B in assets (rank 193 of 581).
- Widest gap: return on equity trails 99% of banks under $1B in assets (rank 625 of 629).
- Overall: at or above the peer median on 1 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $6.2M · efficiency ratio beats 2% of banks under $1B in assets | 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 |