Jasper, AL · Cert 57640 · Relations Bancshares Inc.
State charter, non-member · FDIC · 2 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
31
Asset Quality
45
Profitability
74
Liquidity
88
Efficiency
44
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.
Jasper, AL · Cert 57640 · Relations Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Birmingham, AL · 2026 SOD (annual) · 0.2% share · #34 of 49 inst. · $0.1B of $53.8B
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 | 1.11% | 0.99% | 1.11% | 1.20% | 1.22% | 1.13% | 1.12% | 1.25% | +5 bps | |
| Return on Equity | 12.05% | 10.79% | 11.90% | 12.70% | 12.61% | 11.48% | 10.56% | 11.79% | -90 bps | |
| Net Interest Margin | 4.54% | 4.53% | 4.67% | 4.75% | 4.79% | 4.85% | 4.91% | 4.85% | +11 bps | |
| Efficiency Ratio | 71.46% | 74.18% | 71.34% | 69.54% | 69.61% | 72.01% | 72.65% | 69.88% | +34 bps | |
| Non-Interest Burden | 3.03% | 3.17% | 3.13% | 3.09% | 3.12% | 3.29% | 3.36% | 3.17% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.23% | 12.16% | 0.88% | 3.79% | 3.03% | -4.56% | -0.43% | 1.08% | -271 bps | |
| Loan Growth (YoY) | 1.24% | 1.15% | 3.29% | 1.83% | 5.84% | 7.10% | 0.96% | -0.44% | -227 bps | |
| Deposit Growth (YoY) | 3.04% | 12.50% | -0.01% | 2.99% | 2.29% | -6.32% | -1.52% | 0.21% | -278 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.08% | 0.03% | 0.03% | 0.06% | 0.03% | 0.02% | 0.02% | 0.46% | +40 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.02% | -0.01% | -0.01% | 0.00% | 0.02% | -0.01% | 0.04% | +5 bps | |
| Allowance / Loans | 1.14% | 1.17% | 1.16% | 1.19% | 1.22% | 1.24% | 1.30% | 1.32% | +13 bps | |
| Allowance Coverage of NPLs | 14.5x | 33.9x | 38.3x | 19.0x | 47.5x | 54.2x | 56.0x | 2.8x | -16.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.41% | 10.48% | 10.21% | 10.58% | 10.94% | 11.18% | 11.18% | 11.24% | +66 bps | |
| Total Risk-Based Capital | 16.35% | 17.40% | 10.21% | 10.58% | 10.94% | 11.18% | 11.18% | 11.24% | +66 bps | |
| Equity / Assets | 9.60% | 9.10% | 9.51% | 9.76% | 10.23% | 10.78% | 10.46% | 10.53% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.43% | 76.22% | 84.08% | 83.93% | 84.26% | 87.14% | 86.20% | 83.39% | -54 bps | |
| Liquid Assets / Assets | 3.19% | 8.48% | 2.13% | 5.07% | 3.89% | 2.48% | 3.96% | 3.22% | -185 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 274% | 274% | 278% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.22% | 0.60% | 1.01% | 1.45% | Beats 64% | 225 / 629 | ||
| Return on Equity | 11.60% | 5.38% | 9.30% | 13.28% | Beats 65% | 222 / 629 | ||
| Net Interest Margin | 4.85% | 3.03% | 3.54% | 4.05% | Beats 94% | 38 / 629 | ||
| Efficiency Ratio | 69.88% | 58.35% | 67.79% | 79.08% | Beats 44% | 352 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.46% | 0.09% | 0.46% | 1.20% | Beats 50% | 293 / 581 | ||
| Net Charge-Offs / Loans | 0.02% | n/a | 0.01% | 0.06% | Beats 39% | 357 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.24% | 11.24% | 13.84% | 18.77% | Beats 25% | 473 / 629 | ||
| Total Risk-Based Capital Ratio | 11.24% | 11.58% | 14.43% | 19.66% | Beats 21% | 497 / 629 | ||
| Equity / Assets | 10.53% | 9.09% | 10.65% | 13.80% | Beats 47% | 331 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 83.39% | 67.24% | 80.90% | 93.48% | 53rd pctl | 280 / 594 | ||
| Loans / Assets | 74.42% | 53.31% | 67.71% | 78.15% | 64th pctl | 225 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||