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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.68% | 0.76% | 0.56% | 0.71% | 0.73% | 0.79% | 0.73% | 0.76% | +6 bps | |
| Return on Equity | 8.87% | 9.78% | 7.28% | 9.26% | 9.63% | 10.24% | 9.34% | 9.75% | +49 bps | |
| Net Interest Margin | 4.00% | 3.95% | 3.70% | 4.28% | 4.27% | 4.45% | 4.02% | 4.12% | -16 bps | |
| Efficiency Ratio | 74.68% | 74.05% | 78.57% | 74.55% | 74.58% | 69.82% | 74.26% | 72.83% | -172 bps | |
| Non-Interest Burden | 2.95% | 2.93% | 2.90% | 3.12% | 3.12% | 3.02% | 2.92% | 2.93% | -19 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 | 0.00% | 0.32% | 0.00% | 0.08% | 0.00% | -0.03% | 0.02% | 0.36% | +28 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 | |