Oakworth Capital Bank
Birmingham, AL · Cert 58783 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Oakworth Capital Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$2.1BAssets
$1.7BLoans
$1.8BDeposits
$193.6MEquity
Executive Summary
- Strongest standing: return on equity outperforms 56% of banks $1B-$10B in assets operating regionally (rank 78 of 176).
- Widest gap: tier 1 capital ratio trails 80% of banks $1B-$10B in assets operating regionally (rank 141 of 176).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
1.14%
Rank 105 of 176
Net Interest Margin
3.58%
Rank 90 of 176
Efficiency Ratio
58.60%
Rank 83 of 176
Equity / Assets
9.08%
Rank 136 of 176
Non-interest income vs. expense
Unfavorable gap of $35.4M · efficiency ratio beats 53% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.14% | 0.93% | 1.26% | 1.54% | Beats 40% | 105 / 176 | | |
| Return on Equity | 12.52% | 9.26% | 11.89% | 14.46% | Beats 56% | 78 / 176 | | |
| Net Interest Margin | 3.58% | 3.25% | 3.59% | 3.93% | Beats 49% | 90 / 176 | | |
| Efficiency Ratio | 58.60% | 52.79% | 59.55% | 67.66% | Beats 53% | 83 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.68% | 0.30% | 0.64% | 1.32% | Beats 48% | 92 / 176 | | |
| Net Charge-Offs / Loans | 0.10% | 0.01% | 0.04% | 0.10% | Beats 22% | 138 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 10.73% | 11.15% | 12.72% | 14.15% | Beats 20% | 141 / 176 | | |
| Total Risk-Based Capital Ratio | 11.92% | 11.81% | 13.63% | 15.33% | Beats 27% | 129 / 176 | | |
| Equity / Assets | 9.08% | 9.16% | 10.35% | 11.80% | Beats 23% | 136 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 97.65% | 80.94% | 89.73% | 97.21% | 77th pctl | 41 / 176 | | |
| Loans / Assets | 80.96% | 69.25% | 75.12% | 80.82% | 76th pctl | 42 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |