Brewton, AL · Cert 5605 · Repton Supply Co. Inc.
State charter, non-member · FDIC · 2 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
81
Asset Quality
100
Profitability
49
Liquidity
0
Efficiency
32
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.
Brewton, AL · Cert 5605 · Repton Supply Co. Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
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 | 0.08% | -1.46% | 0.43% | 0.09% | 0.39% | 0.46% | 0.99% | 1.14% | +105 bps | |
| Return on Equity | 0.45% | -8.05% | 2.40% | 0.48% | 2.16% | 2.52% | 5.36% | 6.13% | +565 bps | |
| Net Interest Margin | 4.01% | 3.99% | 3.61% | 3.59% | 3.66% | 3.72% | 3.86% | 3.79% | +20 bps | |
| Efficiency Ratio | 95.47% | 101.32% | 90.28% | 92.28% | 87.46% | 91.44% | 77.67% | 75.57% | -1,672 bps | |
| Non-Interest Burden | 3.82% | 4.05% | 3.20% | 3.28% | 3.14% | 3.36% | 2.93% | 2.73% | -55 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.96% | -12.71% | -0.62% | 2.87% | 5.59% | 6.06% | 8.81% | 4.49% | +162 bps | |
| Loan Growth (YoY) | -5.83% | -8.57% | -7.15% | 0.53% | -7.62% | 3.28% | -18.81% | -18.30% | -1,883 bps | |
| Deposit Growth (YoY) | -11.95% | -14.43% | -0.82% | 2.95% | 7.61% | 4.49% | 9.04% | 3.71% | +76 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 4.27% | 0.82% | 0.92% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.04% | 3.49% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.44% | 1.51% | 1.52% | 1.74% | 1.90% | 1.26% | 1.62% | 1.51% | -24 bps | |
| Allowance Coverage of NPLs | 0.3x | 1.8x | 1.7x | n/a | n/a | 114.5x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 22.20% | 20.93% | 20.91% | 20.21% | 20.38% | 20.51% | 20.30% | 20.57% | +36 bps | |
| Total Risk-Based Capital | 29.30% | 28.24% | 20.91% | 20.21% | 20.38% | 20.51% | 20.30% | 20.57% | +36 bps | |
| Equity / Assets | 19.90% | 18.12% | 17.87% | 17.82% | 18.35% | 19.31% | 17.72% | 18.66% | +83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 50.84% | 48.93% | 45.72% | 47.80% | 43.64% | 48.37% | 34.05% | 37.66% | -1,014 bps | |
| Liquid Assets / Assets | 1.10% | 1.13% | 1.07% | 1.05% | 1.04% | 1.07% | 0.99% | 0.00% | -105 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 20.47% | 28.93% | 28.19% | n/a | n/a | |
Brewton, AL · Cert 5605 · Peer group: banks under $1B in assets (n=581-629) · Repton Supply Co. Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
1.13%
Rank 269 of 629
Net Interest Margin
3.79%
Rank 237 of 629
Efficiency Ratio
75.57%
Rank 429 of 629
Equity / Assets
18.66%
Rank 87 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.13% | 0.60% | 1.01% | 1.45% | Beats 57% | 269 / 629 | ||
| Return on Equity | 6.03% | 5.38% | 9.30% | 13.28% | Beats 28% | 452 / 629 | ||
| Net Interest Margin | 3.79% | 3.03% | 3.54% | 4.05% | Beats 62% | 237 / 629 | ||
| Efficiency Ratio | 75.57% | 58.35% | 67.79% | 79.08% | Beats 32% | 429 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.57% | 11.24% | 13.84% | 18.77% | Beats 79% | 132 / 629 | ||
| Total Risk-Based Capital Ratio | 20.57% | 11.58% | 14.43% | 19.66% | Beats 78% | 140 / 629 | ||
| Equity / Assets | 18.66% | 9.09% | 10.65% | 13.80% | Beats 86% | 87 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 37.66% | 67.24% | 80.90% | 93.48% | 6th pctl | 561 / 594 | ||
| Loans / Assets | 30.61% | 53.31% | 67.71% | 78.15% | 11th pctl | 559 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||