Guntersville, AL · Cert 57483 · Citizens B&T Holdings Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Market Position · Huntsville, AL · 2026 SOD (annual) · 0.9% share · #20 of 37 inst. · $0.1B of $12.4B
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 | 0.45% | 0.46% | 0.40% | 0.55% | 0.57% | 0.58% | 0.58% | 0.60% | +5 bps | |
| Return on Equity | 8.44% | 8.52% | 7.17% | 9.67% | 9.58% | 9.52% | 8.86% | 9.27% | -40 bps | |
| Net Interest Margin | 2.07% | 2.18% | 2.45% | 2.43% | 2.50% | 2.50% | 2.53% | 2.48% | +6 bps | |
| Efficiency Ratio | 82.48% | 82.27% | 82.01% | 76.82% | 76.79% | 76.52% | 79.64% | 78.11% | +129 bps | |
| Non-Interest Burden | 1.57% | 1.65% | 1.91% | 1.74% | 1.80% | 1.79% | 1.90% | 1.82% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.40% | -3.50% | 0.02% | 3.51% | 3.30% | 5.58% | 5.59% | 10.43% | +692 bps | |
| Loan Growth (YoY) | 3.04% | -1.69% | 1.81% | 6.40% | 5.92% | 9.08% | 1.25% | 2.21% | -420 bps | |
| Deposit Growth (YoY) | 5.02% | 6.15% | 12.28% | 10.07% | 8.75% | 8.97% | 6.75% | 10.93% | +86 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.12% | 0.17% | 0.29% | 0.23% | 0.23% | 0.15% | 0.17% | 0.08% | -15 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.06% | 0.03% | 0.01% | 0.07% | 0.12% | 0.01% | 0.03% | +2 bps | |
| Allowance / Loans | 1.21% | 1.20% | 1.15% | 1.15% | 1.10% | 1.05% | 1.08% | 1.04% | -11 bps | |
| Allowance Coverage of NPLs | 10.0x | 7.0x | 3.9x | 4.9x | 4.8x | 6.9x | 6.2x | 12.7x | +7.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.35% | 9.53% | 9.63% | 9.24% | 9.42% | 9.28% | 9.25% | 8.93% | -31 bps | |
| Total Risk-Based Capital | 15.52% | 15.34% | 15.53% | 15.53% | 15.69% | 15.21% | 15.85% | 15.64% | +12 bps | |
| Equity / Assets | 6.17% | 5.55% | 5.72% | 5.92% | 6.51% | 6.73% | 6.49% | 6.30% | +38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.92% | 63.37% | 60.55% | 61.41% | 61.28% | 63.44% | 57.43% | 56.58% | -483 bps | |
| Liquid Assets / Assets | 9.50% | 8.74% | 13.28% | 11.83% | 12.19% | 9.11% | 15.64% | 15.81% | +398 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 308% | 316% | 302% | n/a | n/a | |