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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.20% | 1.35% | 1.09% | 1.20% | 1.07% | -13 bps | |
| Return on Equity | 15.69% | 16.75% | 12.87% | 13.51% | 11.92% | -377 bps | |
| Net Interest Margin | 4.63% | 4.68% | 4.73% | 4.71% | 4.76% | +13 bps | |
| Efficiency Ratio | 66.78% | 63.24% | 64.30% | 67.85% | 65.85% | -93 bps | |
| Non-Interest Burden | 3.01% | 2.87% | 2.95% | 3.11% | 3.04% | +4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.93% | 9.79% | 5.93% | -1.02% | 2.16% | -1,077 bps | |
| Loan Growth (YoY) | 8.34% | 7.41% | 8.13% | 10.76% | 16.94% | +859 bps | |
| Deposit Growth (YoY) | 12.53% | 9.42% | 4.48% | -2.58% | 0.93% | -1,160 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.07% | 0.00% | 0.00% | 0.12% | +12 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.60% | -0.11% | 0.01% | 0 bps | |
| Allowance / Loans | 1.07% | 1.00% | 1.04% | 1.05% | 1.05% | -2 bps | |
| Allowance Coverage of NPLs | n/a | 13.7x | n/a | n/a | 8.8x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.06% | 9.97% | 10.30% | 10.73% | 10.81% | +75 bps | |
| Total Risk-Based Capital | 10.06% | 9.97% | 10.30% | 10.73% | 10.81% | +75 bps | |
| Equity / Assets | 7.84% | 8.23% | 8.78% | 8.90% | 9.02% | +118 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 68.61% | 72.23% | 76.97% | 78.52% | 79.49% | +1,088 bps | |
| Liquid Assets / Assets | 2.23% | 2.08% | 2.18% | 2.17% | 0.17% | -206 bps | |
| CRE / Total Capital | n/a | 293% | 290% | 270% | n/a | n/a | |