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Bank of Walker County

Jasper, AL · Cert 57640 · Relations Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

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.

Peer group

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.

Peer standing

Capital

31

Q2 2024Q2 2026peer median (50)

Asset Quality

45

Q2 2024Q2 2026peer median (50)

Profitability

74

Q2 2024Q2 2026peer median (50)

Liquidity

88

Q2 2024Q2 2026peer median

Efficiency

44

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Walker County

Jasper, AL · Cert 57640 · Relations Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$98.5MAssets
$73.3MLoans
$87.9MDeposits
$10.4MEquity
Loan mix
92%RE $62.4M3%C&I $2.0M5%Consumer $3.2MQ2 2025Q2 2026
Deposit mix
50%Interest-bearing $43.8M50%Noninterest $44.1MQ2 2025Q2 2026

NIM

5.73%Q2 ’245.95%Q2 ’255.95%Q2 ’26+3%+2%

Non-interest income vs. expense

3.88%Q2 ’243.79%Q2 ’253.91%Q2 ’260%+3%

Market Position · Birmingham, AL · 2026 SOD (annual) · 0.2% share · #34 of 49 inst. · $0.1B of $53.8B

Executive Summary

  • Earnings: ROA of 1.25%, up 5 bps year over year; NIM at 4.85%.
  • Asset quality: problem loans at 0.46% of loans (+40 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 11.24%, up 66 bps from a year ago.
  • Funding: loans stand at 83.39% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.25%+5 bps YoY

Net Interest Margin (YTD, annualized)

4.85%+11 bps YoY

Efficiency Ratio (YTD, annualized)

69.88%+34 bps YoY

Tier 1 Leverage Ratio

11.24%+66 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.20%1.22%1.13%1.12%1.25%+5 bps
Return on Equity12.70%12.61%11.48%10.56%11.79%-90 bps
Net Interest Margin4.75%4.79%4.85%4.91%4.85%+11 bps
Efficiency Ratio69.54%69.61%72.01%72.65%69.88%+34 bps
Non-Interest Burden3.09%3.12%3.29%3.36%3.17%+8 bps
Growth
Asset Growth (YoY)3.79%3.03%-4.56%-0.43%1.08%-271 bps
Loan Growth (YoY)1.83%5.84%7.10%0.96%-0.44%-227 bps
Deposit Growth (YoY)2.99%2.29%-6.32%-1.52%0.21%-278 bps
Asset Quality
Nonperforming Loans / Loans0.06%0.03%0.02%0.02%0.46%+40 bps
Net Charge-Offs / Loans-0.01%0.00%0.02%-0.01%0.04%+5 bps
Allowance / Loans1.19%1.22%1.24%1.30%1.32%+13 bps
Allowance Coverage of NPLs19.0x47.5x54.2x56.0x2.8x-16.2x
Capital
Tier 1 Leverage Ratio10.58%10.94%11.18%11.18%11.24%+66 bps
Total Risk-Based Capital10.58%10.94%11.18%11.18%11.24%+66 bps
Equity / Assets9.76%10.23%10.78%10.46%10.53%+78 bps
Liquidity & Funding
Loans / Deposits83.93%84.26%87.14%86.20%83.39%-54 bps
Liquid Assets / Assets5.07%3.89%2.48%3.96%3.22%-185 bps
CRE / Total Capitaln/a274%274%278%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bank of Walker County

Jasper, AL · Cert 57640 · Peer group: banks under $1B in assets (n=581-629) · Relations Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$98.5MAssets
$73.3MLoans
$87.9MDeposits
$10.4MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 94% of banks under $1B in assets (rank 38 of 629).
  • Widest gap: total risk-based capital ratio trails 79% of banks under $1B in assets (rank 497 of 629).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.22%

Rank 225 of 629

Net Interest Margin

4.85%

Rank 38 of 629

Efficiency Ratio

69.88%

Rank 352 of 629

Equity / Assets

10.53%

Rank 331 of 629

Non-interest income vs. expense

$0.7M$3.8MINCOMEEXPENSE
Unfavorable gap of $3.1M · efficiency ratio beats 44% of banks under $1B in assets
Bank 69.88%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.22%0.60%1.01%1.45%Beats 64%225 / 629
Return on Equity11.60%5.38%9.30%13.28%Beats 65%222 / 629
Net Interest Margin4.85%3.03%3.54%4.05%Beats 94%38 / 629
Efficiency Ratio69.88%58.35%67.79%79.08%Beats 44%352 / 629
Asset Quality
Nonperforming Loans / Loans0.46%0.09%0.46%1.20%Beats 50%293 / 581
Net Charge-Offs / Loans0.02%n/a0.01%0.06%Beats 39%357 / 581
Capital
Tier 1 Capital Ratio11.24%11.24%13.84%18.77%Beats 25%473 / 629
Total Risk-Based Capital Ratio11.24%11.58%14.43%19.66%Beats 21%497 / 629
Equity / Assets10.53%9.09%10.65%13.80%Beats 47%331 / 629
Liquidity & Funding
Loans / Deposits83.39%67.24%80.90%93.48%53rd pctl280 / 594
Loans / Assets74.42%53.31%67.71%78.15%64th pctl225 / 629
Brokered Deposits / Depositsn/aNot reported for this institution