Altoona, AL · Cert 54 · Gadsden Corp. the
State charter, non-member · FDIC · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
64
Asset Quality
60
Profitability
55
Liquidity
41
Efficiency
70
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Altoona, AL · Cert 54 · Gadsden Corp. the
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Gadsden, AL · 2026 SOD (annual) · 22.2% share · #2 of 12 inst. · $0.3B of $1.5B
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 | 0.96% | 1.01% | 0.87% | 1.01% | 1.11% | 1.17% | 1.18% | 1.21% | +21 bps | |
| Return on Equity | 8.45% | 8.87% | 7.46% | 8.48% | 9.14% | 9.47% | 9.00% | 9.18% | +70 bps | |
| Net Interest Margin | 3.21% | 3.17% | 3.18% | 3.28% | 3.36% | 3.40% | 3.57% | 3.60% | +31 bps | |
| Efficiency Ratio | 65.69% | 64.65% | 68.70% | 64.68% | 63.05% | 61.58% | 61.30% | 60.95% | -373 bps | |
| Non-Interest Burden | 1.96% | 1.90% | 2.08% | 1.98% | 1.96% | 1.94% | 2.06% | 2.06% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.42% | 2.98% | 2.05% | 3.20% | 3.72% | 2.61% | 4.98% | 1.75% | -145 bps | |
| Loan Growth (YoY) | 9.05% | 5.83% | -0.96% | -2.20% | -2.31% | -2.54% | 5.15% | 6.16% | +836 bps | |
| Deposit Growth (YoY) | 2.42% | 2.30% | 0.84% | 2.15% | 3.20% | 0.47% | 4.13% | 0.28% | -187 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.26% | 0.17% | 0.16% | 0.00% | 0.02% | 0.03% | 0.01% | 0.04% | +4 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.15% | 0.05% | 0.07% | 0.06% | 0.05% | 0.04% | 0.04% | -3 bps | |
| Allowance / Loans | 1.32% | 1.23% | 1.30% | 1.29% | 1.27% | 1.27% | 1.28% | 1.27% | -3 bps | |
| Allowance Coverage of NPLs | 5.0x | 7.4x | 7.9x | 506.6x | 61.9x | 48.5x | 201.3x | 28.6x | -478.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.18% | 14.20% | 14.36% | 14.55% | 14.69% | 14.88% | 14.97% | 15.30% | +75 bps | |
| Total Risk-Based Capital | 25.46% | 25.78% | 14.36% | 14.55% | 14.69% | 14.88% | 14.97% | 15.30% | +75 bps | |
| Equity / Assets | 12.19% | 11.39% | 12.02% | 12.19% | 12.76% | 13.18% | 13.00% | 13.51% | +132 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.15% | 61.90% | 59.60% | 58.36% | 59.78% | 60.05% | 60.18% | 61.79% | +342 bps | |
| Liquid Assets / Assets | 2.41% | 4.10% | 3.96% | 3.95% | 4.73% | 5.46% | 4.71% | 3.41% | -54 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 182.12% | 176.00% | 180.79% | n/a | n/a | |
Altoona, AL · Cert 54 · Peer group: banks under $1B in assets (n=581-629) · Gadsden Corp. the
State charter, non-member · FDIC · 5 branches
Q2 2026
Return on Assets
1.22%
Rank 229 of 629
Net Interest Margin
3.60%
Rank 289 of 629
Efficiency Ratio
60.95%
Rank 192 of 629
Equity / Assets
13.51%
Rank 167 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.22% | 0.60% | 1.01% | 1.45% | Beats 64% | 229 / 629 | ||
| Return on Equity | 9.01% | 5.38% | 9.30% | 13.28% | Beats 47% | 333 / 629 | ||
| Net Interest Margin | 3.60% | 3.03% | 3.54% | 4.05% | Beats 54% | 289 / 629 | ||
| Efficiency Ratio | 60.95% | 58.35% | 67.79% | 79.08% | Beats 70% | 192 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.04% | 0.09% | 0.46% | 1.20% | Beats 81% | 112 / 581 | ||
| Net Charge-Offs / Loans | 0.03% | n/a | 0.01% | 0.06% | Beats 38% | 359 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.30% | 11.24% | 13.84% | 18.77% | Beats 62% | 238 / 629 | ||
| Total Risk-Based Capital Ratio | 15.30% | 11.58% | 14.43% | 19.66% | Beats 56% | 278 / 629 | ||
| Equity / Assets | 13.51% | 9.09% | 10.65% | 13.80% | Beats 73% | 167 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 61.79% | 67.24% | 80.90% | 93.48% | 20th pctl | 478 / 594 | ||
| Loans / Assets | 52.95% | 53.31% | 67.71% | 78.15% | 24th pctl | 477 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||