Leeds, AL · Cert 34460
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
11
Asset Quality
59
Profitability
51
Liquidity
63
Efficiency
36
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.
Leeds, AL · Cert 34460
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Birmingham, AL · 2026 SOD (annual) · 0.3% share · #28 of 49 inst. · $0.2B of $53.8B
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 | 0.57% | 0.62% | 0.56% | 0.64% | 0.67% | 0.70% | 0.73% | 0.75% | +11 bps | |
| Return on Equity | 7.47% | 8.12% | 7.28% | 8.30% | 8.72% | 9.12% | 9.34% | 9.54% | +123 bps | |
| Net Interest Margin | 3.89% | 3.85% | 3.70% | 3.99% | 4.02% | 4.03% | 4.02% | 4.04% | +5 bps | |
| Efficiency Ratio | 76.94% | 76.20% | 78.57% | 76.41% | 75.76% | 74.13% | 74.26% | 73.53% | -288 bps | |
| Non-Interest Burden | 2.97% | 2.92% | 2.90% | 3.01% | 3.00% | 2.93% | 2.92% | 2.90% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.41% | 10.31% | 8.65% | 8.69% | 10.02% | 13.91% | 13.29% | 10.85% | +216 bps | |
| Loan Growth (YoY) | 24.98% | 8.98% | 6.57% | 10.29% | 9.14% | 21.23% | 19.67% | 17.91% | +762 bps | |
| Deposit Growth (YoY) | 13.50% | 16.59% | 8.46% | 8.73% | 10.07% | 8.51% | 13.06% | 10.23% | +150 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.24% | 1.60% | 1.83% | 0.03% | 0.03% | 0.03% | 0.07% | 0.00% | -3 bps | |
| Net Charge-Offs / Loans | 0.29% | 0.31% | 0.00% | 0.04% | 0.03% | 0.01% | 0.02% | 0.19% | +15 bps | |
| Allowance / Loans | 1.06% | 1.03% | 1.03% | 1.02% | 1.04% | 1.12% | 1.13% | 1.05% | +3 bps | |
| Allowance Coverage of NPLs | 4.5x | 0.6x | 0.6x | 34.6x | 36.6x | 41.9x | 17.0x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.57% | 8.68% | 8.68% | 8.86% | 8.87% | 8.66% | 8.69% | 8.78% | -8 bps | |
| Total Risk-Based Capital | 10.70% | 11.06% | 10.79% | 11.25% | 11.39% | 10.75% | 10.56% | 10.45% | -80 bps | |
| Equity / Assets | 7.79% | 7.70% | 7.72% | 7.53% | 7.68% | 7.80% | 7.73% | 7.94% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.40% | 80.93% | 80.67% | 83.28% | 82.69% | 90.42% | 85.39% | 89.08% | +580 bps | |
| Liquid Assets / Assets | 5.17% | 7.16% | 7.37% | 5.66% | 6.55% | 4.38% | 4.49% | 1.66% | -400 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 508% | 559% | 553% | n/a | n/a | |
Leeds, AL · Cert 34460 · Peer group: banks under $1B in assets (n=581-629)
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
0.74%
Rank 435 of 629
Net Interest Margin
4.04%
Rank 164 of 629
Efficiency Ratio
73.53%
Rank 403 of 629
Equity / Assets
7.94%
Rank 556 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.74% | 0.60% | 1.01% | 1.45% | Beats 31% | 435 / 629 | ||
| Return on Equity | 9.28% | 5.38% | 9.30% | 13.28% | Beats 49% | 319 / 629 | ||
| Net Interest Margin | 4.04% | 3.03% | 3.54% | 4.05% | Beats 74% | 164 / 629 | ||
| Efficiency Ratio | 73.53% | 58.35% | 67.79% | 79.08% | Beats 36% | 403 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | ||
| Net Charge-Offs / Loans | 0.10% | n/a | 0.01% | 0.06% | Beats 18% | 478 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.52% | 11.24% | 13.84% | 18.77% | Beats 6% | 592 / 629 | ||
| Total Risk-Based Capital Ratio | 10.45% | 11.58% | 14.43% | 19.66% | Beats 14% | 544 / 629 | ||
| Equity / Assets | 7.94% | 9.09% | 10.65% | 13.80% | Beats 12% | 556 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 89.08% | 67.24% | 80.90% | 93.48% | 67th pctl | 198 / 594 | ||
| Loans / Assets | 81.35% | 53.31% | 67.71% | 78.15% | 84th pctl | 100 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||