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Bank of Moundville

Moundville, AL · Cert 9057 · Moundville Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

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.

Peer group

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.

Peer standing

Capital

57

Q2 2024Q2 2026peer median (50)

Asset Quality

20

Q2 2024Q2 2026peer median (50)

Profitability

14

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

24

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Moundville

Moundville, AL · Cert 9057 · Moundville Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$144.6MAssets
$58.7MLoans
$127.8MDeposits
$16.2MEquity
Loan mix
66%RE $37.5M27%C&I $15.3M8%Consumer $4.4MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $99.1M22%Noninterest $28.7MQ2 2025Q2 2026

NIM

3.94%Q2 ’244.13%Q2 ’254.08%Q2 ’26+5%-1%

Non-interest income vs. expense

2.22%Q2 ’242.08%Q2 ’252.12%Q2 ’26-7%+3%

Market Position · Tuscaloosa, AL · 2026 SOD (annual) · 2.3% share · #10 of 30 inst. · $0.1B of $5.5B

Executive Summary

  • Earnings: ROA of 0.39%, down 8 bps year over year; NIM at 2.43%.
  • Asset quality: problem loans at 5.45% of loans (+521 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 15.10%, down 108 bps from a year ago.
  • Funding: loans stand at 45.96% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.39%-8 bps YoY

Net Interest Margin (YTD, annualized)

2.43%-3 bps YoY

Efficiency Ratio (YTD, annualized)

79.67%+281 bps YoY

Tier 1 Leverage Ratio

15.10%-108 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.48%0.47%0.45%0.39%0.39%-8 bps
Return on Equity4.22%4.15%3.86%3.31%3.37%-85 bps
Net Interest Margin2.46%2.48%2.48%2.51%2.43%-3 bps
Efficiency Ratio76.85%76.89%78.22%79.05%79.67%+281 bps
Non-Interest Burden1.83%1.85%1.88%1.93%1.89%+5 bps
Growth
Asset Growth (YoY)9.68%10.18%13.99%8.09%6.73%-295 bps
Loan Growth (YoY)4.45%5.40%1.54%-1.58%5.57%+112 bps
Deposit Growth (YoY)10.02%10.87%14.21%7.79%6.22%-380 bps
Asset Quality
Nonperforming Loans / Loans0.24%0.10%5.10%5.11%5.45%+521 bps
Net Charge-Offs / Loans0.03%0.04%0.05%0.03%0.04%+1 bps
Allowance / Loans1.03%0.99%0.96%1.02%1.02%-1 bps
Allowance Coverage of NPLs4.3x10.2x0.2x0.2x0.2x-4.1x
Capital
Tier 1 Leverage Ratio16.18%16.18%16.07%15.71%15.10%-108 bps
Total Risk-Based Capital16.18%16.18%16.07%15.71%15.10%-108 bps
Equity / Assets10.82%11.71%12.11%11.68%11.20%+38 bps
Liquidity & Funding
Loans / Deposits46.24%46.85%49.28%47.04%45.96%-28 bps
Liquid Assets / Assets0.55%0.54%0.56%0.54%0.52%-3 bps
CRE / Total Capitaln/a85.08%78.13%79.58%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bank of Moundville

Moundville, AL · Cert 9057 · Peer group: banks under $1B in assets (n=581-629) · Moundville Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$144.6MAssets
$58.7MLoans
$127.8MDeposits
$16.2MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 60% of banks under $1B in assets (rank 249 of 629).
  • Widest gap: nonperforming loans / loans trails 97% of banks under $1B in assets (rank 566 of 581).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.38%

Rank 530 of 629

Net Interest Margin

2.43%

Rank 577 of 629

Efficiency Ratio

79.67%

Rank 479 of 629

Equity / Assets

11.20%

Rank 273 of 629

Non-interest income vs. expense

$0.3M$3.0MINCOMEEXPENSE
Unfavorable gap of $2.7M · efficiency ratio beats 24% of banks under $1B in assets
Bank 79.67%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.38%0.60%1.01%1.45%Beats 16%530 / 629
Return on Equity3.37%5.38%9.30%13.28%Beats 17%525 / 629
Net Interest Margin2.43%3.03%3.54%4.05%Beats 8%577 / 629
Efficiency Ratio79.67%58.35%67.79%79.08%Beats 24%479 / 629
Asset Quality
Nonperforming Loans / Loans5.45%0.09%0.46%1.20%Beats 3%566 / 581
Net Charge-Offs / Loans0.03%n/a0.01%0.06%Beats 37%366 / 581
Capital
Tier 1 Capital Ratio15.10%11.24%13.84%18.77%Beats 60%249 / 629
Total Risk-Based Capital Ratio15.10%11.58%14.43%19.66%Beats 54%289 / 629
Equity / Assets11.20%9.09%10.65%13.80%Beats 57%273 / 629
Liquidity & Funding
Loans / Deposits45.96%67.24%80.90%93.48%9th pctl542 / 594
Loans / Assets40.63%53.31%67.71%78.15%15th pctl535 / 629
Brokered Deposits / Depositsn/aNot reported for this institution