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 | |