Moundville, AL · Cert 9057 · Moundville Bancshares Inc.
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
57
Asset Quality
20
Profitability
14
Liquidity
0
Efficiency
24
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.
Moundville, AL · Cert 9057 · Moundville Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Tuscaloosa, AL · 2026 SOD (annual) · 2.3% share · #10 of 30 inst. · $0.1B of $5.5B
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 | 0.30% | 0.58% | 0.39% | 0.48% | 0.47% | 0.45% | 0.39% | 0.39% | -8 bps | |
| Return on Equity | 2.71% | 5.10% | 3.40% | 4.22% | 4.15% | 3.86% | 3.31% | 3.37% | -85 bps | |
| Net Interest Margin | 2.38% | 2.44% | 2.52% | 2.46% | 2.48% | 2.48% | 2.51% | 2.43% | -3 bps | |
| Efficiency Ratio | 83.85% | 76.91% | 79.82% | 76.85% | 76.89% | 78.22% | 79.05% | 79.67% | +281 bps | |
| Non-Interest Burden | 1.96% | 1.76% | 1.96% | 1.83% | 1.85% | 1.88% | 1.93% | 1.89% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.48% | -0.15% | 3.76% | 9.68% | 10.18% | 13.99% | 8.09% | 6.73% | -295 bps | |
| Loan Growth (YoY) | 16.15% | 17.82% | 15.53% | 4.45% | 5.40% | 1.54% | -1.58% | 5.57% | +112 bps | |
| Deposit Growth (YoY) | 0.78% | 1.55% | 2.37% | 10.02% | 10.87% | 14.21% | 7.79% | 6.22% | -380 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.02% | 0.23% | 0.11% | 0.24% | 0.10% | 5.10% | 5.11% | 5.45% | +521 bps | |
| Net Charge-Offs / Loans | 0.09% | -0.23% | 0.08% | 0.03% | 0.04% | 0.05% | 0.03% | 0.04% | +1 bps | |
| Allowance / Loans | 0.91% | 0.94% | 0.94% | 1.03% | 0.99% | 0.96% | 1.02% | 1.02% | -1 bps | |
| Allowance Coverage of NPLs | 37.8x | 4.0x | 8.7x | 4.3x | 10.2x | 0.2x | 0.2x | 0.2x | -4.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 17.12% | 17.41% | 17.18% | 16.18% | 16.18% | 16.07% | 15.71% | 15.10% | -108 bps | |
| Total Risk-Based Capital | 17.12% | 17.41% | 17.18% | 16.18% | 16.18% | 16.07% | 15.71% | 15.10% | -108 bps | |
| Equity / Assets | 12.17% | 11.76% | 11.29% | 10.82% | 11.71% | 12.11% | 11.68% | 11.20% | +38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 49.28% | 55.42% | 51.51% | 46.24% | 46.85% | 49.28% | 47.04% | 45.96% | -28 bps | |
| Liquid Assets / Assets | 0.60% | 0.64% | 0.59% | 0.55% | 0.54% | 0.56% | 0.54% | 0.52% | -3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 85.08% | 78.13% | 79.58% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.38% | 0.60% | 1.01% | 1.45% | Beats 16% | 530 / 629 | ||
| Return on Equity | 3.37% | 5.38% | 9.30% | 13.28% | Beats 17% | 525 / 629 | ||
| Net Interest Margin | 2.43% | 3.03% | 3.54% | 4.05% | Beats 8% | 577 / 629 | ||
| Efficiency Ratio | 79.67% | 58.35% | 67.79% | 79.08% | Beats 24% | 479 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 5.45% | 0.09% | 0.46% | 1.20% | Beats 3% | 566 / 581 | ||
| Net Charge-Offs / Loans | 0.03% | n/a | 0.01% | 0.06% | Beats 37% | 366 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.10% | 11.24% | 13.84% | 18.77% | Beats 60% | 249 / 629 | ||
| Total Risk-Based Capital Ratio | 15.10% | 11.58% | 14.43% | 19.66% | Beats 54% | 289 / 629 | ||
| Equity / Assets | 11.20% | 9.09% | 10.65% | 13.80% | Beats 57% | 273 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 45.96% | 67.24% | 80.90% | 93.48% | 9th pctl | 542 / 594 | ||
| Loans / Assets | 40.63% | 53.31% | 67.71% | 78.15% | 15th pctl | 535 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||