Birmingham, AL · Cert 58783 · Oakworth Capital Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Birmingham, AL · 2026 SOD (annual) · 2.6% share · #8 of 49 inst. · $1.4B of $53.8B
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 | 1.07% | 1.06% | 1.24% | 1.16% | 1.17% | 1.17% | 1.09% | 1.17% | +1 bps | |
| Return on Equity | 12.48% | 12.35% | 13.97% | 12.96% | 12.96% | 12.99% | 12.08% | 12.94% | -3 bps | |
| Net Interest Margin | 3.28% | 3.26% | 3.58% | 3.59% | 3.56% | 3.36% | 3.58% | 3.58% | -1 bps | |
| Efficiency Ratio | 63.95% | 63.94% | 59.78% | 60.87% | 60.90% | 61.68% | 61.79% | 58.60% | -227 bps | |
| Non-Interest Burden | 1.75% | 1.75% | 1.76% | 1.83% | 1.82% | 1.74% | 1.84% | 1.70% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.79% | 11.44% | 13.65% | 13.36% | 10.79% | 14.49% | 12.34% | 15.29% | +193 bps | |
| Loan Growth (YoY) | 23.12% | 16.97% | 16.58% | 10.25% | 8.65% | 10.22% | 11.59% | 15.36% | +511 bps | |
| Deposit Growth (YoY) | 21.26% | 11.02% | 13.44% | 12.38% | 11.11% | 14.54% | 9.90% | 11.98% | -40 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.02% | 0.65% | 0.04% | 0.04% | 0.03% | 0.73% | 0.68% | +64 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.03% | 0.02% | 0.01% | 0.01% | 0.03% | 0.13% | 0.21% | +20 bps | |
| Allowance / Loans | 1.17% | 1.12% | 1.14% | 1.20% | 1.22% | 1.21% | 1.19% | 1.20% | 0 bps | |
| Allowance Coverage of NPLs | n/a | 50.2x | 1.7x | 33.1x | 34.6x | 35.7x | 1.6x | 1.8x | -31.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.31% | 9.51% | 9.49% | 9.73% | 9.84% | 9.28% | 9.50% | 9.60% | -13 bps | |
| Total Risk-Based Capital | 10.69% | 11.59% | 11.73% | 12.06% | 12.22% | 11.91% | 11.79% | 11.92% | -15 bps | |
| Equity / Assets | 8.65% | 8.77% | 9.01% | 9.14% | 9.23% | 8.93% | 9.09% | 9.08% | -6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.01% | 90.62% | 91.41% | 94.80% | 89.98% | 87.20% | 92.81% | 97.65% | +286 bps | |
| Liquid Assets / Assets | 6.03% | 6.30% | 4.78% | 5.96% | 7.47% | 8.61% | 4.97% | 5.51% | -45 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 326% | 343% | 349% | n/a | n/a | |