Selma, AL · Cert 58636 · First Cahawba Bancshares Inc.
State charter, non-member · FDIC · 5 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 under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
20
Asset Quality
70
Profitability
73
Liquidity
96
Efficiency
53
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.
Selma, AL · Cert 58636 · First Cahawba Bancshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Daphne-Fairhope-Foley, AL · 2026 SOD (annual) · 0.4% share · #25 of 32 inst. · $0.0B 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 | 1.01% | 0.96% | 1.17% | 1.19% | 1.24% | 1.21% | 1.20% | 1.13% | -6 bps | |
| Return on Equity | 13.75% | 13.00% | 15.75% | 15.74% | 16.07% | 15.24% | 13.51% | 12.67% | -306 bps | |
| Net Interest Margin | 4.38% | 4.32% | 4.47% | 4.49% | 4.43% | 4.59% | 4.71% | 4.69% | +20 bps | |
| Efficiency Ratio | 69.83% | 68.61% | 67.00% | 66.89% | 65.61% | 65.27% | 67.85% | 66.84% | -5 bps | |
| Non-Interest Burden | 2.97% | 2.88% | 2.89% | 2.91% | 2.82% | 2.91% | 3.11% | 3.05% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.95% | 1.23% | 11.68% | 12.93% | 9.79% | 5.93% | -1.02% | 2.16% | -1,077 bps | |
| Loan Growth (YoY) | 12.31% | 8.41% | 6.53% | 8.34% | 7.41% | 8.13% | 10.76% | 16.94% | +859 bps | |
| Deposit Growth (YoY) | -5.52% | 0.40% | 11.12% | 12.53% | 9.42% | 4.48% | -2.58% | 0.93% | -1,160 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.04% | 0.04% | 0.11% | 0.00% | 0.07% | 0.00% | 0.00% | 0.12% | +12 bps | |
| Net Charge-Offs / Loans | -0.28% | 0.01% | 0.00% | 0.00% | 0.01% | 0.16% | -0.11% | -0.05% | -5 bps | |
| Allowance / Loans | 1.06% | 1.06% | 1.06% | 1.07% | 1.00% | 1.04% | 1.05% | 1.05% | -2 bps | |
| Allowance Coverage of NPLs | 25.4x | 25.7x | 9.4x | n/a | 13.7x | n/a | n/a | 8.8x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.30% | 9.89% | 10.02% | 10.06% | 9.97% | 10.30% | 10.73% | 10.81% | +75 bps | |
| Total Risk-Based Capital | 10.30% | 9.89% | 10.02% | 10.06% | 9.97% | 10.30% | 10.73% | 10.81% | +75 bps | |
| Equity / Assets | 7.94% | 7.42% | 7.42% | 7.84% | 8.23% | 8.78% | 8.90% | 9.02% | +118 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.58% | 74.37% | 69.07% | 68.61% | 72.23% | 76.97% | 78.52% | 79.49% | +1,088 bps | |
| Liquid Assets / Assets | 5.10% | 2.34% | 2.21% | 2.23% | 2.08% | 2.18% | 2.17% | 0.17% | -206 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 293% | 290% | 270% | n/a | n/a | |
Selma, AL · Cert 58636 · Peer group: banks under $1B in assets (n=581-629) · First Cahawba Bancshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Return on Assets
1.10%
Rank 279 of 629
Net Interest Margin
4.69%
Rank 47 of 629
Efficiency Ratio
66.84%
Rank 297 of 629
Equity / Assets
9.02%
Rank 480 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.10% | 0.60% | 1.01% | 1.45% | Beats 56% | 279 / 629 | ||
| Return on Equity | 12.24% | 5.38% | 9.30% | 13.28% | Beats 69% | 196 / 629 | ||
| Net Interest Margin | 4.69% | 3.03% | 3.54% | 4.05% | Beats 93% | 47 / 629 | ||
| Efficiency Ratio | 66.84% | 58.35% | 67.79% | 79.08% | Beats 53% | 297 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.12% | 0.09% | 0.46% | 1.20% | Beats 72% | 161 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 68% | 190 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.81% | 11.24% | 13.84% | 18.77% | Beats 19% | 511 / 629 | ||
| Total Risk-Based Capital Ratio | 10.81% | 11.58% | 14.43% | 19.66% | Beats 16% | 528 / 629 | ||
| Equity / Assets | 9.02% | 9.09% | 10.65% | 13.80% | Beats 24% | 480 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 79.49% | 67.24% | 80.90% | 93.48% | 48th pctl | 307 / 594 | ||
| Loans / Assets | 72.11% | 53.31% | 67.71% | 78.15% | 58th pctl | 262 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||