Local Bank
Tuscaloosa, AL · Cert 9614 · Peer group: banks under $1B in assets (n=581-629) · Local Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$111.3MAssets
$86.3MLoans
$87.5MDeposits
$17.1MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 79% of banks under $1B in assets (rank 131 of 629).
- Widest gap: return on equity trails 97% of banks under $1B in assets (rank 608 of 629).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
-1.44%
Rank 605 of 629
Net Interest Margin
3.56%
Rank 302 of 629
Efficiency Ratio
111.08%
Rank 596 of 629
Equity / Assets
15.33%
Rank 131 of 629
Non-interest income vs. expense
Unfavorable gap of $5.1M · efficiency ratio beats 5% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -1.44% | 0.60% | 1.01% | 1.45% | Beats 4% | 605 / 629 | |
| Return on Equity | -9.40% | 5.38% | 9.30% | 13.28% | Beats 3% | 608 / 629 | |
| Net Interest Margin | 3.56% | 3.03% | 3.54% | 4.05% | Beats 52% | 302 / 629 | |
| Efficiency Ratio | 111.08% | 58.35% | 67.79% | 79.08% | Beats 5% | 596 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.42% | 0.09% | 0.46% | 1.20% | Beats 20% | 467 / 581 | |
| Net Charge-Offs / Loans | 0.25% | n/a | 0.01% | 0.06% | Beats 7% | 542 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 14.29% | 11.24% | 13.84% | 18.77% | Beats 54% | 290 / 629 | |
| Total Risk-Based Capital Ratio | 14.29% | 11.58% | 14.43% | 19.66% | Beats 49% | 322 / 629 | |
| Equity / Assets | 15.33% | 9.09% | 10.65% | 13.80% | Beats 79% | 131 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 98.74% | 67.24% | 80.90% | 93.48% | 84th pctl | 96 / 594 | |
| Loans / Assets | 77.58% | 53.31% | 67.71% | 78.15% | 73rd pctl | 167 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |