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
Unfavorable gap of $3.1M · efficiency ratio beats 44% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |