Tuscaloosa, AL · Cert 57997
State charter, non-member · FDIC · 18 branches
Q2 2026
Market Position · Tuscaloosa, AL · 2026 SOD (annual) · 17.1% share · #1 of 30 inst. · $0.9B of $5.5B
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 | 1.65% | 1.59% | 1.33% | 1.46% | 1.49% | 1.42% | 1.26% | 1.39% | -7 bps | |
| Return on Equity | 16.57% | 16.39% | 14.13% | 15.14% | 15.22% | 14.87% | 13.43% | 14.81% | -34 bps | |
| Net Interest Margin | 4.02% | 3.82% | 3.55% | 3.66% | 3.70% | 3.57% | 3.42% | 3.31% | -35 bps | |
| Efficiency Ratio | 49.67% | 49.96% | 53.81% | 52.18% | 52.86% | 52.45% | 55.37% | 53.06% | +88 bps | |
| Non-Interest Burden | 1.82% | 1.74% | 1.78% | 1.74% | 1.82% | 1.71% | 1.78% | 1.54% | -20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.03% | 8.93% | 10.06% | 8.37% | 9.65% | 5.75% | 7.67% | 8.64% | +27 bps | |
| Loan Growth (YoY) | 12.08% | 10.15% | 10.57% | 10.47% | 3.02% | 3.89% | -0.23% | -2.80% | -1,327 bps | |
| Deposit Growth (YoY) | -2.43% | 8.73% | 10.77% | 9.35% | 9.35% | 5.55% | 9.42% | 8.92% | -43 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.10% | 0.09% | 0.13% | 0.07% | 0.08% | 0.07% | 0.08% | 0.07% | -1 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.03% | 0.03% | 0.05% | 0.03% | 0.06% | -0.01% | -0.02% | -7 bps | |
| Allowance / Loans | 1.00% | 1.00% | 1.00% | 1.00% | 1.02% | 1.00% | 1.01% | 1.04% | +4 bps | |
| Allowance Coverage of NPLs | 9.8x | 10.7x | 7.5x | 13.8x | 13.1x | 14.7x | 12.3x | 15.8x | +2.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.10% | 9.91% | 9.68% | 9.84% | 9.81% | 9.77% | 9.76% | 9.53% | -31 bps | |
| Total Risk-Based Capital | 19.46% | 19.30% | 19.27% | 19.22% | 19.81% | 19.27% | 19.76% | 19.93% | +71 bps | |
| Equity / Assets | 10.14% | 9.26% | 9.60% | 9.69% | 9.84% | 9.33% | 9.40% | 9.41% | -29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.65% | 59.59% | 63.31% | 63.99% | 62.78% | 58.66% | 57.73% | 57.11% | -689 bps | |
| Liquid Assets / Assets | 25.61% | 32.95% | 33.06% | 31.76% | 33.08% | 38.05% | 39.13% | 39.51% | +775 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 297% | 300% | 290% | n/a | n/a | |