Tuscaloosa, AL · Cert 9614 · Local Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Tuscaloosa, AL · 2026 SOD (annual) · 0.9% share · #18 of 30 inst. · $0.0B 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 | -1.70% | -1.70% | -0.88% | -0.10% | 0.20% | -0.08% | -2.19% | -1.47% | -137 bps | |
| Return on Equity | -6.32% | -6.81% | -4.79% | -0.57% | 1.19% | -0.49% | -13.42% | -9.21% | -864 bps | |
| Net Interest Margin | 4.28% | 3.83% | 4.13% | 3.79% | 3.57% | 3.21% | 3.24% | 3.56% | -23 bps | |
| Efficiency Ratio | 127.64% | 121.30% | 108.31% | 99.59% | 96.51% | 100.73% | 118.37% | 111.08% | +1,149 bps | |
| Non-Interest Burden | 6.40% | 5.49% | 5.04% | 3.69% | 3.08% | 3.23% | 5.12% | 4.76% | +108 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 42.05% | 49.94% | 46.68% | 56.57% | 78.12% | 40.20% | 24.18% | 17.67% | -3,890 bps | |
| Loan Growth (YoY) | 81.50% | 71.95% | 62.01% | 74.05% | 67.19% | 33.49% | 30.68% | 17.28% | -5,677 bps | |
| Deposit Growth (YoY) | 68.88% | 63.68% | 54.46% | 68.17% | 86.02% | 44.19% | 21.47% | 16.72% | -5,145 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.27% | 1.32% | 0.12% | 0.11% | 0.11% | 1.74% | 1.43% | 1.42% | +132 bps | |
| Net Charge-Offs / Loans | -0.05% | -0.04% | -0.02% | -0.02% | -0.02% | -0.02% | 0.83% | 0.41% | +43 bps | |
| Allowance / Loans | 1.05% | 0.86% | 0.88% | 0.83% | 0.89% | 0.90% | 0.86% | 0.90% | +7 bps | |
| Allowance Coverage of NPLs | 3.9x | 0.7x | 7.1x | 7.8x | 8.0x | 0.5x | 0.6x | 0.6x | -7.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 23.47% | 19.79% | 17.26% | 16.19% | 17.42% | 14.48% | 14.72% | 14.29% | -190 bps | |
| Total Risk-Based Capital | 23.47% | 19.79% | 17.26% | 16.19% | 17.42% | 14.48% | 14.72% | 14.29% | -190 bps | |
| Equity / Assets | 24.84% | 19.22% | 17.49% | 15.85% | 16.69% | 16.31% | 16.38% | 15.33% | -52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.33% | 103.69% | 102.10% | 98.26% | 88.38% | 95.99% | 109.84% | 98.74% | +47 bps | |
| Liquid Assets / Assets | 15.30% | 11.99% | 13.03% | 13.26% | 20.69% | 17.01% | 9.54% | 13.62% | +36 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 204% | 240% | 234% | n/a | n/a | |