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 | |