| Metric | North Alabama Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +4.4% | -4.4 pts |
| Deposit growth (YoY) | +0.4% | +4.0% | -3.5 pts |
| Loan growth (YoY) | -1.4% | +5.6% | -7.0 pts |
| ROA | 1.53% | 1.24% | +0.3 pts |
| ROE | 13.7% | 11.9% | +1.8 pts |
ROA ranks in the 68th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $178.6M | $156.0M | $137.9M | $20.4M | $1.3M | 1.53% | 5.56% | 0.11% |
| Q1 2026 | $175.8M | $153.9M | $136.3M | $19.7M | $664K | 1.51% | 5.58% | 0.02% |
| Q4 2025 | $174.9M | $152.4M | $135.4M | $19.1M | $2.9M | 1.61% | 5.44% | 0.43% |
| Q3 2025 | $181.1M | $158.1M | $137.1M | $18.7M | $2.0M | 1.49% | 5.29% | 0.24% |
| Q2 2025 | $178.7M | $155.3M | $139.9M | $18.0M | $1.3M | 1.50% | 5.24% | 0.11% |
| Q1 2025 | $179.3M | $156.8M | $139.8M | $17.4M | $595K | 1.33% | 5.09% | 0.18% |
| Q4 2024 | $177.7M | $155.9M | $138.0M | $17.1M | $2.4M | 1.40% | 5.12% | 0.17% |
| Q3 2024 | $174.0M | $151.8M | $137.3M | $17.2M | $1.8M | 1.37% | 5.14% | 0.06% |
Loan mix (Q2 2026): real estate $125.2M · commercial $9.0M · consumer $2.7M · securities $11.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | North Alabama Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.53% | 1.24% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 13.7% | 11.9% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.56% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.5% | 62.9% | 46th |
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 | North Alabama 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 | North Alabama 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 | North Alabama 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 | North Alabama Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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