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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.18% | 0.65% | 1.11% | 1.31% | 1.25% | 0.86% | 1.12% | 1.38% | +7 bps | |
| Return on Equity | 12.60% | 7.00% | 11.90% | 13.59% | 12.53% | 8.18% | 10.56% | 13.19% | -40 bps | |
| Net Interest Margin | 4.64% | 4.65% | 4.67% | 4.82% | 4.92% | 5.01% | 4.91% | 4.94% | +12 bps | |
| Efficiency Ratio | 70.11% | 82.11% | 71.34% | 67.79% | 69.75% | 78.97% | 72.65% | 67.19% | -59 bps | |
| Non-Interest Burden | 3.03% | 3.69% | 3.13% | 3.04% | 3.21% | 3.80% | 3.36% | 3.08% | +4 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 | 0.02% | 0.08% | -0.01% | -0.01% | 0.01% | 0.08% | -0.01% | 0.09% | +10 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 | |