| Metric | First Cahawba Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +4.4% | -2.2 pts |
| Deposit growth (YoY) | +0.9% | +4.0% | -3.0 pts |
| Loan growth (YoY) | +17.0% | +5.6% | +11.4 pts |
| ROA | 1.13% | 1.24% | -0.1 pts |
| ROE | 12.7% | 11.9% | +0.8 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $205.7M | $186.6M | $146.8M | $18.6M | $1.1M | 1.13% | 4.96% | 0.09% |
| Q1 2026 | $199.4M | $181.1M | $140.7M | $17.8M | $595K | 1.20% | 4.94% | 0.00% |
| Q4 2025 | $198.9M | $181.1M | $138.0M | $17.5M | $2.4M | 1.21% | 4.86% | 0.00% |
| Q3 2025 | $206.3M | $188.6M | $134.8M | $17.0M | $1.9M | 1.24% | 4.81% | 0.05% |
| Q2 2025 | $201.4M | $184.9M | $125.5M | $15.8M | $1.2M | 1.19% | 4.73% | 0.00% |
| Q1 2025 | $201.5M | $185.9M | $127.0M | $15.0M | $569K | 1.17% | 4.64% | 0.07% |
| Q4 2024 | $187.7M | $173.4M | $127.6M | $13.9M | $1.8M | 0.96% | 4.67% | 0.05% |
| Q3 2024 | $187.9M | $172.3M | $125.5M | $14.9M | $1.4M | 1.01% | 4.57% | 0.10% |
Loan mix (Q2 2026): real estate $118.0M · commercial $26.9M · consumer $3.3M · securities $32.4M
| Ratio | First Cahawba Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 1.24% | 43rd | |
Return on equity Annualized net income ÷ equity or net worth | 12.7% | 11.9% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.96% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.8% | 62.9% | 61st |
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 | First Cahawba Bank | 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 | First Cahawba Bank | 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 | First Cahawba Bank | 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 | First Cahawba Bank | 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 | First Cahawba Bank | 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.
4 branches in 3 counties across 1 state (+0 vs 2024) · $184.9M branch deposits. Biggest market: Dallas, AL, ranked 3rd with 17.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Dallas, AL | 2 | $131.8M | 17.34% | 3rd |
| Baldwin, AL | 1 | $31.8M | 0.41% | 28th |
| Pike, AL | 1 | $21.3M | 1.41% | 7th |
Alabama: 111th with 0.11% · Daphne-Fairhope-Foley metro: 28th, 0.41% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4