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 | |