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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.87% | 1.67% | 1.74% | 2.06% | 1.97% | 1.70% | 2.07% | 2.02% | -5 bps | |
| Return on Equity | 32.92% | 29.23% | 31.40% | 36.11% | 32.88% | 27.13% | 32.48% | 31.19% | -492 bps | |
| Net Interest Margin | 4.48% | 4.45% | 4.36% | 4.52% | 4.59% | 4.54% | 4.63% | 4.50% | -2 bps | |
| Efficiency Ratio | 50.83% | 44.08% | 52.28% | 44.35% | 48.66% | 48.27% | 48.00% | 47.94% | +359 bps | |
| Non-Interest Burden | 1.90% | 1.58% | 1.94% | 1.63% | 1.85% | 1.82% | 1.79% | 1.76% | +12 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 | 0.24% | 0.08% | 0.06% | 0.00% | 0.07% | 0.06% | 0.00% | 0.04% | +4 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 | |