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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | 1.39% | 0.39% | 0.55% | 0.46% | 0.36% | 0.39% | 0.39% | -16 bps | |
| Return on Equity | 2.69% | 11.58% | 3.40% | 5.00% | 4.10% | 3.00% | 3.31% | 3.44% | -156 bps | |
| Net Interest Margin | 2.49% | 2.55% | 2.52% | 2.57% | 2.54% | 2.52% | 2.51% | 2.46% | -10 bps | |
| Efficiency Ratio | 80.76% | 62.11% | 79.82% | 74.08% | 76.97% | 81.91% | 79.05% | 80.27% | +619 bps | |
| Non-Interest Burden | 1.96% | 1.13% | 1.96% | 1.84% | 1.90% | 1.99% | 1.93% | 1.93% | +9 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 | 0.07% | -1.19% | 0.08% | -0.02% | 0.07% | 0.06% | 0.03% | 0.05% | +7 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 | |