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 | |