| Metric | Bank of Moundville | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +4.4% | +2.4 pts |
| Deposit growth (YoY) | +6.2% | +4.0% | +2.3 pts |
| Loan growth (YoY) | +5.6% | +5.6% | -0.0 pts |
| ROA | 0.39% | 1.24% | -0.8 pts |
| ROE | 3.4% | 11.9% | -8.5 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $144.6M | $127.8M | $58.2M | $16.2M | $273K | 0.39% | 2.72% | 2.22% |
| Q1 2026 | $138.5M | $121.8M | $56.7M | $16.2M | $134K | 0.39% | 2.75% | 2.11% |
| Q4 2025 | $133.5M | $117.0M | $57.1M | $16.2M | $581K | 0.45% | 2.72% | 2.20% |
| Q3 2025 | $137.9M | $121.1M | $56.2M | $16.1M | $460K | 0.47% | 2.71% | 0.04% |
| Q2 2025 | $135.5M | $120.3M | $55.1M | $14.7M | $302K | 0.48% | 2.73% | 0.10% |
| Q1 2025 | $128.1M | $113.0M | $57.7M | $14.5M | $120K | 0.39% | 2.70% | 0.05% |
| Q4 2024 | $117.2M | $102.5M | $56.3M | $13.8M | $698K | 0.58% | 2.63% | 0.11% |
| Q3 2024 | $125.1M | $109.3M | $53.4M | $15.2M | $278K | 0.30% | 2.57% | 0.01% |
Loan mix (Q2 2026): real estate $37.6M · commercial $16.1M · consumer $4.9M · securities $58.7M
| Ratio | Bank of Moundville | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.39% | 1.24% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 3.4% | 11.9% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.72% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.7% | 62.9% | 85th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bank of Moundville | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bank of Moundville | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Bank of Moundville | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bank of Moundville | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bank of Moundville | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
Technology spend up 25% in 2025. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).
1 branches in 1 county across 1 state (+0 vs 2025) · $127.8M branch deposits. Biggest market: Hale, AL, ranked 1st with 36.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hale, AL | 1 | $127.8M | 36.22% | 1st |
Alabama: 134th with 0.07% · Tuscaloosa metro: 14th, 1.80% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1