Atmore, AL · Cert 58 · United Bcorp of Alabama Inc.
State charter, non-member · FDIC · 19 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 $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
92
Asset Quality
39
Profitability
56
Liquidity
53
Efficiency
39
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.
Atmore, AL · Cert 58 · United Bcorp of Alabama Inc.
State charter, non-member · FDIC · 19 branches
Q2 2026
Market Position · Daphne-Fairhope-Foley, AL · 2026 SOD (annual) · 5.8% share · #6 of 32 inst. · $0.4B of $6.7B
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 | 1.77% | 1.88% | 1.33% | 1.39% | 1.35% | 1.32% | 1.13% | 1.31% | -8 bps | |
| Return on Equity | 14.86% | 15.39% | 9.77% | 10.04% | 9.63% | 9.33% | 7.62% | 8.81% | -123 bps | |
| Net Interest Margin | 4.15% | 4.00% | 4.12% | 4.16% | 4.18% | 4.14% | 3.88% | 4.02% | -14 bps | |
| Efficiency Ratio | 53.59% | 51.47% | 54.23% | 56.39% | 58.74% | 60.63% | 65.22% | 62.73% | +634 bps | |
| Non-Interest Burden | 1.81% | 1.31% | 1.87% | 2.01% | 2.14% | 2.22% | 2.29% | 2.26% | +25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.04% | 17.86% | 17.20% | 19.57% | 3.46% | 3.74% | 4.17% | 4.53% | -1,504 bps | |
| Loan Growth (YoY) | 15.00% | 15.96% | 14.87% | 13.18% | 5.42% | 2.40% | 2.22% | 5.54% | -764 bps | |
| Deposit Growth (YoY) | 14.24% | 16.28% | 15.08% | 17.15% | 2.02% | 2.27% | 3.46% | 3.91% | -1,324 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.79% | 1.55% | 1.56% | 1.09% | 0.89% | 1.77% | 1.78% | 1.35% | +27 bps | |
| Net Charge-Offs / Loans | 0.30% | 0.41% | -0.02% | 0.78% | 0.66% | 0.55% | 0.01% | 0.03% | -76 bps | |
| Allowance / Loans | 1.41% | 1.42% | 1.66% | 1.35% | 1.31% | 1.32% | 1.37% | 1.31% | -4 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.9x | 1.1x | 1.2x | 1.5x | 0.7x | 0.8x | 1.0x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.41% | 14.46% | 14.70% | 14.89% | 15.20% | 15.38% | 15.49% | 15.79% | +89 bps | |
| Total Risk-Based Capital | 20.61% | 21.32% | 21.62% | 21.77% | 21.48% | 21.89% | 22.06% | 21.86% | +9 bps | |
| Equity / Assets | 13.07% | 13.36% | 13.95% | 14.13% | 14.59% | 14.73% | 14.87% | 14.93% | +80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.39% | 74.75% | 76.20% | 75.76% | 76.86% | 74.85% | 75.29% | 76.95% | +119 bps | |
| Liquid Assets / Assets | 8.09% | 9.34% | 7.81% | 8.07% | 8.06% | 6.55% | 5.36% | 4.14% | -393 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 187.18% | 181.29% | 178.96% | n/a | n/a | |
Atmore, AL · Cert 58 · Peer group: banks $1B-$10B in assets (n=322-328) · United Bcorp of Alabama Inc.
State charter, non-member · FDIC · 19 branches
Q2 2026
Return on Assets
1.29%
Rank 137 of 328
Net Interest Margin
4.02%
Rank 56 of 328
Efficiency Ratio
62.83%
Rank 202 of 328
Equity / Assets
14.93%
Rank 23 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.29% | 0.91% | 1.22% | 1.52% | Beats 58% | 137 / 328 | ||
| Return on Equity | 8.63% | 8.43% | 11.45% | 14.43% | Beats 27% | 241 / 328 | ||
| Net Interest Margin | 4.02% | 3.03% | 3.45% | 3.83% | Beats 83% | 56 / 328 | ||
| Efficiency Ratio | 62.83% | 51.61% | 59.56% | 67.53% | Beats 39% | 202 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.35% | 0.24% | 0.51% | 1.03% | Beats 18% | 264 / 322 | ||
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.03% | 0.10% | Beats 59% | 135 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.70% | 11.75% | 13.15% | 15.47% | Beats 92% | 27 / 328 | ||
| Total Risk-Based Capital Ratio | 21.86% | 12.63% | 14.15% | 16.46% | Beats 92% | 27 / 328 | ||
| Equity / Assets | 14.93% | 9.15% | 10.33% | 12.01% | Beats 93% | 23 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 76.95% | 76.63% | 87.92% | 95.36% | 26th pctl | 240 / 323 | ||
| Loans / Assets | 63.63% | 65.18% | 74.15% | 79.98% | 22nd pctl | 255 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||