Robertson Banking Company
Demopolis, AL · Cert 39 · Peer group: banks under $1B in assets (n=581-629) · 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 87 of 629).
- Widest gap: net charge-offs / loans trails 72% of banks under $1B in assets (rank 422 of 581).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.73%
Rank 107 of 629
Net Interest Margin
4.00%
Rank 170 of 629
Efficiency Ratio
52.38%
Rank 88 of 629
Equity / Assets
11.03%
Rank 287 of 629
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.73% | 0.60% | 1.01% | 1.45% | Beats 83% | 107 / 629 | | |
| Return on Equity | 15.66% | 5.38% | 9.30% | 13.28% | Beats 86% | 87 / 629 | | |
| Net Interest Margin | 4.00% | 3.03% | 3.54% | 4.05% | Beats 73% | 170 / 629 | | |
| Efficiency Ratio | 52.38% | 58.35% | 67.79% | 79.08% | Beats 86% | 88 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.13% | 0.09% | 0.46% | 1.20% | Beats 71% | 167 / 581 | | |
| Net Charge-Offs / Loans | 0.05% | n/a | 0.01% | 0.06% | Beats 28% | 422 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 14.86% | 11.24% | 13.84% | 18.77% | Beats 59% | 261 / 629 | | |
| Total Risk-Based Capital Ratio | 16.11% | 11.58% | 14.43% | 19.66% | Beats 62% | 240 / 629 | | |
| Equity / Assets | 11.03% | 9.09% | 10.65% | 13.80% | Beats 54% | 287 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 78.77% | 67.24% | 80.90% | 93.48% | 47th pctl | 316 / 594 | | |
| Loans / Assets | 68.01% | 53.31% | 67.71% | 78.15% | 51st pctl | 310 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |