Wetumpka, AL · Cert 57124 · Central Alabama Bancshares Inc.
State charter, non-member · FDIC · 9 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
17
Asset Quality
56
Profitability
92
Liquidity
95
Efficiency
91
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.
Wetumpka, AL · Cert 57124 · Central Alabama Bancshares Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Montgomery, AL · 2026 SOD (annual) · 6.6% share · #6 of 24 inst. · $0.6B of $9.7B
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 | 1.88% | 1.83% | 1.74% | 1.91% | 1.93% | 1.88% | 2.07% | 2.05% | +14 bps | |
| Return on Equity | 35.59% | 34.34% | 31.40% | 33.92% | 33.42% | 31.84% | 32.48% | 31.76% | -215 bps | |
| Net Interest Margin | 4.41% | 4.30% | 4.36% | 4.37% | 4.39% | 4.37% | 4.63% | 4.53% | +17 bps | |
| Efficiency Ratio | 50.40% | 48.77% | 52.28% | 48.20% | 48.36% | 48.34% | 48.00% | 47.97% | -23 bps | |
| Non-Interest Burden | 1.87% | 1.75% | 1.94% | 1.75% | 1.76% | 1.75% | 1.79% | 1.76% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.19% | 6.96% | 8.03% | 10.15% | 9.43% | 6.92% | 5.50% | 5.64% | -451 bps | |
| Loan Growth (YoY) | 9.28% | 12.85% | 14.16% | 19.43% | 17.74% | 15.37% | 17.42% | 13.24% | -618 bps | |
| Deposit Growth (YoY) | 4.81% | 6.10% | 7.07% | 9.38% | 9.00% | 5.63% | 4.35% | 4.45% | -493 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.23% | 0.28% | 0.26% | 0.28% | 0.39% | 0.19% | 0.17% | 0.10% | -18 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.07% | 0.06% | 0.02% | 0.04% | 0.04% | 0.00% | 0.02% | 0 bps | |
| Allowance / Loans | 1.86% | 1.91% | 1.89% | 1.82% | 1.86% | 1.92% | 1.89% | 1.86% | +4 bps | |
| Allowance Coverage of NPLs | 8.2x | 6.7x | 7.3x | 6.6x | 4.8x | 10.2x | 10.8x | 18.7x | +12.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.99% | 8.74% | 8.61% | 8.47% | 8.47% | 8.39% | 8.50% | 8.57% | +10 bps | |
| Total Risk-Based Capital | 11.68% | 12.38% | 12.24% | 11.89% | 12.09% | 12.07% | 11.76% | 12.02% | +13 bps | |
| Equity / Assets | 5.97% | 5.47% | 5.62% | 5.81% | 6.16% | 6.40% | 6.33% | 6.60% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.47% | 68.32% | 67.34% | 73.04% | 72.88% | 74.63% | 75.78% | 79.18% | +615 bps | |
| Liquid Assets / Assets | 13.85% | 13.29% | 14.79% | 13.63% | 13.12% | 12.89% | 12.35% | 11.37% | -226 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 406% | 404% | 421% | n/a | n/a | |
Wetumpka, AL · Cert 57124 · Peer group: banks under $1B in assets (n=581-629) · Central Alabama Bancshares Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Return on Assets
2.03%
Rank 76 of 629
Net Interest Margin
4.53%
Rank 62 of 629
Efficiency Ratio
47.97%
Rank 55 of 629
Equity / Assets
6.60%
Rank 608 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.03% | 0.60% | 1.01% | 1.45% | Beats 88% | 76 / 629 | ||
| Return on Equity | 30.78% | 5.38% | 9.30% | 13.28% | Beats 98% | 13 / 629 | ||
| Net Interest Margin | 4.53% | 3.03% | 3.54% | 4.05% | Beats 90% | 62 / 629 | ||
| Efficiency Ratio | 47.97% | 58.35% | 67.79% | 79.08% | Beats 91% | 55 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.10% | 0.09% | 0.46% | 1.20% | Beats 73% | 155 / 581 | ||
| Net Charge-Offs / Loans | 0.02% | n/a | 0.01% | 0.06% | Beats 39% | 355 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.76% | 11.24% | 13.84% | 18.77% | Beats 18% | 513 / 629 | ||
| Total Risk-Based Capital Ratio | 12.02% | 11.58% | 14.43% | 19.66% | Beats 29% | 446 / 629 | ||
| Equity / Assets | 6.60% | 9.09% | 10.65% | 13.80% | Beats 3% | 608 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 79.18% | 67.24% | 80.90% | 93.48% | 48th pctl | 311 / 594 | ||
| Loans / Assets | 72.80% | 53.31% | 67.71% | 78.15% | 60th pctl | 251 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||