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 | |