Troy, AL · Cert 5598 · Trust No 3 Under Will Charles Henderson
State charter, non-member · FDIC · 13 branches
Q2 2026
Market Position · Dothan, AL · 2026 SOD (annual) · 3.6% share · #13 of 18 inst. · $0.2B of $4.7B
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 | 1.00% | 1.08% | 1.21% | 1.25% | 1.31% | 1.34% | 1.25% | 1.37% | +11 bps | |
| Return on Equity | 10.06% | 10.63% | 10.87% | 11.31% | 11.68% | 11.88% | 10.27% | 11.29% | -2 bps | |
| Net Interest Margin | 3.11% | 3.15% | 3.47% | 3.45% | 3.42% | 3.44% | 3.68% | 3.74% | +28 bps | |
| Efficiency Ratio | 60.68% | 59.32% | 54.39% | 55.68% | 55.01% | 53.92% | 52.52% | 53.12% | -256 bps | |
| Non-Interest Burden | 1.70% | 1.67% | 1.69% | 1.71% | 1.68% | 1.65% | 1.70% | 1.73% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.25% | -1.03% | 0.93% | 5.09% | 5.99% | 6.94% | 2.09% | 1.27% | -382 bps | |
| Loan Growth (YoY) | 5.32% | 4.92% | 3.17% | 3.18% | 5.10% | 3.32% | 5.06% | 4.40% | +122 bps | |
| Deposit Growth (YoY) | -0.90% | -3.15% | -1.41% | 4.51% | 5.50% | 5.75% | 0.68% | 0.12% | -440 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.58% | 0.65% | 0.95% | 0.92% | 0.76% | 1.03% | 1.24% | 1.35% | +43 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.08% | 0.14% | 0.12% | 0.11% | 0.10% | 0.36% | 0.20% | +8 bps | |
| Allowance / Loans | 1.34% | 1.32% | 1.32% | 1.30% | 1.29% | 1.33% | 1.26% | 1.29% | -2 bps | |
| Allowance Coverage of NPLs | 2.3x | 2.0x | 1.4x | 1.4x | 1.7x | 1.3x | 1.0x | 1.0x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.93% | 12.00% | 12.38% | 12.48% | 12.28% | 12.46% | 12.85% | 12.83% | +35 bps | |
| Total Risk-Based Capital | 11.93% | 12.00% | 12.38% | 12.48% | 12.28% | 12.46% | 12.85% | 12.83% | +35 bps | |
| Equity / Assets | 11.14% | 10.89% | 11.30% | 10.99% | 11.51% | 11.83% | 12.45% | 12.00% | +101 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.05% | 74.71% | 74.18% | 72.45% | 72.78% | 73.00% | 77.41% | 75.55% | +310 bps | |
| Liquid Assets / Assets | 2.39% | 2.24% | 3.37% | 4.50% | 5.41% | 4.82% | 2.36% | 4.82% | +32 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 232% | 228% | 232% | n/a | n/a | |