Huntsville, AL · Cert 59326
State charter, non-member · FDIC · 1 branch
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
87
Asset Quality
82
Profitability
46
Liquidity
0
Efficiency
19
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.
Huntsville, AL · Cert 59326
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Huntsville, AL · 2026 SOD (annual) · 0.5% share · #25 of 37 inst. · $0.1B of $12.4B
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 | -3.46% | -2.75% | -1.87% | -1.49% | -0.99% | -0.54% | 0.49% | 0.69% | +219 bps | |
| Return on Equity | -4.86% | -5.24% | -4.88% | -4.35% | -3.02% | -1.71% | 1.77% | 2.51% | +686 bps | |
| Net Interest Margin | 4.29% | 4.38% | 3.48% | 3.56% | 3.76% | 3.95% | 4.89% | 5.09% | +153 bps | |
| Efficiency Ratio | 156.34% | 148.13% | 137.97% | 120.29% | 111.25% | 102.20% | 89.30% | 84.47% | -3,582 bps | |
| Non-Interest Burden | 6.80% | 6.57% | 4.82% | 4.31% | 4.21% | 4.04% | 4.35% | 4.24% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | 196.25% | 176.44% | 141.03% | 90.06% | 8.03% | 6.71% | -16,973 bps | |
| Loan Growth (YoY) | n/a | n/a | 907% | 456% | 175.43% | 73.92% | 67.59% | 29.97% | -42,620 bps | |
| Deposit Growth (YoY) | n/a | n/a | 3275% | 1008% | 504% | 194.40% | 11.63% | 8.97% | -99,866 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | -2 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | -0.01% | -0.01% | -1 bps | |
| Allowance / Loans | 1.35% | 1.36% | 1.46% | 1.34% | 1.27% | 1.28% | 1.25% | 1.27% | -7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 56.5x | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 76.12% | 63.82% | 36.24% | 29.11% | 27.93% | 27.65% | 27.83% | 28.11% | -99 bps | |
| Total Risk-Based Capital | 76.12% | 63.82% | 36.24% | 29.11% | 27.93% | 27.65% | 27.83% | 28.11% | -99 bps | |
| Equity / Assets | 71.21% | 52.50% | 30.16% | 28.31% | 28.35% | 27.50% | 28.17% | 27.02% | -130 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 221% | 173.13% | 72.75% | 90.35% | 100.95% | 102.28% | 109.21% | 107.76% | +1,741 bps | |
| Liquid Assets / Assets | 7.55% | 7.85% | 31.39% | 18.36% | 10.17% | 9.13% | 8.61% | 9.10% | -926 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 96.66% | 107.42% | 106.74% | n/a | n/a | |
Huntsville, AL · Cert 59326 · Peer group: banks under $1B in assets (n=581-629)
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
0.68%
Rank 449 of 629
Net Interest Margin
5.09%
Rank 23 of 629
Efficiency Ratio
84.47%
Rank 513 of 629
Equity / Assets
27.02%
Rank 63 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.68% | 0.60% | 1.01% | 1.45% | Beats 29% | 449 / 629 | ||
| Return on Equity | 2.51% | 5.38% | 9.30% | 13.28% | Beats 14% | 543 / 629 | ||
| Net Interest Margin | 5.09% | 3.03% | 3.54% | 4.05% | Beats 96% | 23 / 629 | ||
| Efficiency Ratio | 84.47% | 58.35% | 67.79% | 79.08% | Beats 19% | 513 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 63% | 219 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 28.11% | 11.24% | 13.84% | 18.77% | Beats 86% | 88 / 629 | ||
| Total Risk-Based Capital Ratio | 28.11% | 11.58% | 14.43% | 19.66% | Beats 85% | 92 / 629 | ||
| Equity / Assets | 27.02% | 9.09% | 10.65% | 13.80% | Beats 90% | 63 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 107.76% | 67.24% | 80.90% | 93.48% | 93rd pctl | 40 / 594 | ||
| Loans / Assets | 78.10% | 53.31% | 67.71% | 78.15% | 74th pctl | 161 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||