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 | |