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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.20% | 1.22% | 1.13% | 1.12% | 1.25% | +5 bps | |
| Return on Equity | 12.70% | 12.61% | 11.48% | 10.56% | 11.79% | -90 bps | |
| Net Interest Margin | 4.75% | 4.79% | 4.85% | 4.91% | 4.85% | +11 bps | |
| Efficiency Ratio | 69.54% | 69.61% | 72.01% | 72.65% | 69.88% | +34 bps | |
| Non-Interest Burden | 3.09% | 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 / Loans | 0.06% | 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 / Loans | 1.19% | 1.22% | 1.24% | 1.30% | 1.32% | +13 bps | |
| Allowance Coverage of NPLs | 19.0x | 47.5x | 54.2x | 56.0x | 2.8x | -16.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.58% | 10.94% | 11.18% | 11.18% | 11.24% | +66 bps | |
| Total Risk-Based Capital | 10.58% | 10.94% | 11.18% | 11.18% | 11.24% | +66 bps | |
| Equity / Assets | 9.76% | 10.23% | 10.78% | 10.46% | 10.53% | +78 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 83.93% | 84.26% | 87.14% | 86.20% | 83.39% | -54 bps | |
| Liquid Assets / Assets | 5.07% | 3.89% | 2.48% | 3.96% | 3.22% | -185 bps | |
| CRE / Total Capital | n/a | 274% | 274% | 278% | n/a | n/a | |