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Bank of Brewton

Brewton, AL · Cert 5605 · Repton Supply Co. Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$49.6MAssets
$15.2MLoans
$40.3MDeposits
$9.3MEquity
Loan mix
45%RE $5.3M44%C&I $5.2M12%Consumer $1.4MQ2 2025Q2 2026
Deposit mix
59%Interest-bearing $23.8M41%Noninterest $16.5MQ2 2025Q2 2026

NIM

4.58%Q2 ’244.19%Q2 ’254.28%Q2 ’26-9%+5%

Non-interest income vs. expense

4.22%Q2 ’243.76%Q2 ’253.27%Q2 ’26-17%-17%

Executive Summary

  • Earnings: ROA of 1.14%, up 105 bps year over year; NIM at 3.79%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 20.57%, up 36 bps from a year ago.
  • Funding: loans stand at 37.66% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.14%+105 bps YoY

Net Interest Margin (YTD, annualized)

3.79%+20 bps YoY

Efficiency Ratio (YTD, annualized)

75.57%-1,672 bps YoY

Tier 1 Leverage Ratio

20.57%+36 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.09%0.39%0.46%0.99%1.14%+105 bps
Return on Equity0.48%2.16%2.52%5.36%6.13%+565 bps
Net Interest Margin3.59%3.66%3.72%3.86%3.79%+20 bps
Efficiency Ratio92.28%87.46%91.44%77.67%75.57%-1,672 bps
Non-Interest Burden3.28%3.14%3.36%2.93%2.73%-55 bps
Growth
Asset Growth (YoY)2.87%5.59%6.06%8.81%4.49%+162 bps
Loan Growth (YoY)0.53%-7.62%3.28%-18.81%-18.30%-1,883 bps
Deposit Growth (YoY)2.95%7.61%4.49%9.04%3.71%+76 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.01%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.74%1.90%1.26%1.62%1.51%-24 bps
Allowance Coverage of NPLsn/an/a114.5xn/an/an/a
Capital
Tier 1 Leverage Ratio20.21%20.38%20.51%20.30%20.57%+36 bps
Total Risk-Based Capital20.21%20.38%20.51%20.30%20.57%+36 bps
Equity / Assets17.82%18.35%19.31%17.72%18.66%+83 bps
Liquidity & Funding
Loans / Deposits47.80%43.64%48.37%34.05%37.66%-1,014 bps
Liquid Assets / Assets1.05%1.04%1.07%0.99%0.00%-105 bps
CRE / Total Capitaln/a20.47%28.93%28.19%n/an/a