Robertson Banking Company
Demopolis, AL · Cert 39 · Peer group: banks under $1B in assets (n=573-620) · RBC Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
$462.7MAssets
$314.7MLoans
$399.5MDeposits
$51.1MEquity
Executive Summary
- Strongest standing: return on equity outperforms 86% of banks under $1B in assets (rank 86 of 620).
- Widest gap: net charge-offs / loans trails 73% of banks under $1B in assets (rank 421 of 573).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.73%
Rank 103 of 620
Net Interest Margin
4.00%
Rank 161 of 620
Efficiency Ratio
52.38%
Rank 86 of 620
Equity / Assets
11.03%
Rank 275 of 620
Non-interest income vs. expense
Unfavorable gap of $8.6M · efficiency ratio beats 86% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.73% | 0.60% | 1.00% | 1.45% | Beats 83% | 103 / 620 | |
| Return on Equity | 15.66% | 5.30% | 9.30% | 13.29% | Beats 86% | 86 / 620 | |
| Net Interest Margin | 4.00% | 3.02% | 3.53% | 4.04% | Beats 74% | 161 / 620 | |
| Efficiency Ratio | 52.38% | 58.35% | 68.08% | 79.37% | Beats 86% | 86 / 620 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.13% | 0.09% | 0.47% | 1.27% | Beats 72% | 162 / 573 | |
| Net Charge-Offs / Loans | 0.05% | n/a | 0.01% | 0.06% | Beats 27% | 421 / 573 | |
| Capital |
| Tier 1 Capital Ratio | 14.86% | 11.27% | 13.87% | 18.78% | Beats 58% | 263 / 620 | |
| Total Risk-Based Capital Ratio | 16.11% | 11.69% | 14.57% | 19.67% | Beats 61% | 242 / 620 | |
| Equity / Assets | 11.03% | 9.03% | 10.60% | 13.73% | Beats 56% | 275 / 620 | |
| Liquidity & Funding |
| Loans / Deposits | 78.77% | 65.08% | 79.69% | 92.47% | 48th pctl | 304 / 585 | |
| Loans / Assets | 68.01% | 51.85% | 67.17% | 77.86% | 52nd pctl | 295 / 620 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |