PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 $4.4MQ3 2024Q2 2026
Deposit mix
78%Interest-bearing $99.1M22%Noninterest $28.7MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.30%0.58%0.39%0.48%0.47%0.45%0.39%0.39%-8 bps
Return on Equity2.71%5.10%3.40%4.22%4.15%3.86%3.31%3.37%-85 bps
Net Interest Margin2.38%2.44%2.52%2.46%2.48%2.48%2.51%2.43%-3 bps
Efficiency Ratio83.85%76.91%79.82%76.85%76.89%78.22%79.05%79.67%+281 bps
Non-Interest Burden1.96%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 / Loans0.02%0.23%0.11%0.24%0.10%5.10%5.11%5.45%+521 bps
Net Charge-Offs / Loans0.09%-0.23%0.08%0.03%0.04%0.05%0.03%0.04%+1 bps
Allowance / Loans0.91%0.94%0.94%1.03%0.99%0.96%1.02%1.02%-1 bps
Allowance Coverage of NPLs37.8x4.0x8.7x4.3x10.2x0.2x0.2x0.2x-4.1x
Capital
Tier 1 Leverage Ratio17.12%17.41%17.18%16.18%16.18%16.07%15.71%15.10%-108 bps
Total Risk-Based Capital17.12%17.41%17.18%16.18%16.18%16.07%15.71%15.10%-108 bps
Equity / Assets12.17%11.76%11.29%10.82%11.71%12.11%11.68%11.20%+38 bps
Liquidity & Funding
Loans / Deposits49.28%55.42%51.51%46.24%46.85%49.28%47.04%45.96%-28 bps
Liquid Assets / Assets0.60%0.64%0.59%0.55%0.54%0.56%0.54%0.52%-3 bps
CRE / Total Capitaln/an/an/an/a85.08%78.13%79.58%n/an/a