Demopolis, AL · Cert 39 · RBC Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
Market Position · Tuscaloosa, AL · 2026 SOD (annual) · 1.3% share · #16 of 30 inst. · $0.1B of $5.5B
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 | 1.51% | 1.42% | 1.75% | 1.62% | 1.68% | 1.62% | 1.82% | 1.71% | +8 bps | |
| Return on Equity | 17.02% | 15.98% | 18.93% | 17.19% | 17.21% | 16.42% | 17.60% | 16.16% | -103 bps | |
| Net Interest Margin | 3.66% | 3.70% | 3.82% | 3.86% | 3.92% | 3.97% | 3.96% | 4.00% | +14 bps | |
| Efficiency Ratio | 53.31% | 56.26% | 49.70% | 53.41% | 51.67% | 54.10% | 48.62% | 52.38% | -103 bps | |
| Non-Interest Burden | 1.70% | 1.82% | 1.63% | 1.82% | 1.76% | 1.89% | 1.64% | 1.83% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.44% | -1.41% | 1.34% | 1.12% | 0.53% | 0.39% | 0.25% | -3.22% | -434 bps | |
| Loan Growth (YoY) | 3.69% | 4.16% | -0.19% | -2.42% | -3.23% | -4.52% | -1.22% | 0.64% | +306 bps | |
| Deposit Growth (YoY) | 2.90% | -2.25% | 0.48% | 0.19% | -0.46% | -1.11% | -0.71% | -4.55% | -474 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.16% | 0.16% | 0.11% | 0.11% | 0.11% | 0.11% | 0.07% | 0.13% | +1 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.01% | 0.02% | 0.01% | 0.00% | 0.01% | -0.04% | -0.02% | -3 bps | |
| Allowance / Loans | 1.47% | 1.45% | 1.50% | 1.51% | 1.49% | 1.51% | 1.53% | 1.51% | 0 bps | |
| Allowance Coverage of NPLs | 9.1x | 8.9x | 13.5x | 13.2x | 13.3x | 14.0x | 22.6x | 11.7x | -1.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.30% | 9.67% | 10.06% | 10.38% | 10.85% | 10.32% | 10.88% | 11.26% | +88 bps | |
| Total Risk-Based Capital | 14.78% | 14.21% | 15.11% | 15.87% | 16.21% | 15.33% | 15.69% | 16.11% | +24 bps | |
| Equity / Assets | 9.85% | 8.94% | 9.50% | 9.89% | 10.63% | 10.25% | 10.38% | 11.03% | +114 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.85% | 79.15% | 75.34% | 74.70% | 76.66% | 76.42% | 74.95% | 78.77% | +406 bps | |
| Liquid Assets / Assets | 3.63% | 2.53% | 5.55% | 6.74% | 2.53% | 3.92% | 3.86% | 1.63% | -510 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 380% | 394% | 374% | n/a | n/a | |