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22nd State Banking Company

$100M-$1B Specialty: Commercial AL FDIC cert 16910

Mobile, AL

4 branches across AL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 63 in AL.
  • Deposits +10.1% year over year ($241.9M on the books).
  • Delinquency rate 3.46%.
  • Return on assets 0.51%.
  • Efficiency ratio 92.87% vs a 64.48% peer average.
  • Loan-to-deposit ratio 87.91% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 63 in AL
View $100M-$1B leaderboard (AL) →

22nd State Banking Company has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 38.6% in tier
  • + Net Interest Margin 2.83% above tier average

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 6.7% in tier
  • - Credit Risk Growth: Bottom 21.5% in tier
  • - Nonperforming Asset Ratio 1.85% above tier average
  • - ROA 0.81% below tier average
Get updates when 22nd State Banking Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Total Assets ? $292.2M
+11.2% YoY +7.5% QoQ
-$94.4M $386.6M
+1.2% YoY
$2.5B
+1.5% YoY
$6.3B
+7.7% YoY
44%
Total Loans ? $212.7M
+6.9% YoY -0.8% QoQ
-$45.7M $258.3M
+1.7% YoY
$1.6B
+2.8% YoY
$3.2B
+9.4% YoY
51%
Total Deposits ? $241.9M
+10.1% YoY +8.0% QoQ
-$84.8M $326.7M
+0.7% YoY
$2.1B
+0.3% YoY
$4.9B
+7.3% YoY
43%
Return on Assets ? 0.51%
-86.5% YoY +64.7% QoQ
-0.81% 1.32%
+10.8% YoY
0.89%
-13.0% YoY
1.30%
+12.1% YoY
Bottom 12.5% in tier
Net Interest Margin ? 6.81%
-3.1% YoY +3.8% QoQ
+2.83% 3.99%
+5.0% YoY
4.02%
+3.4% YoY
3.95%
+4.9% YoY
Top 0.5% in tier
Efficiency Ratio ? 92.87%
+58.7% YoY -3.0% QoQ
+28.39% 64.48%
-3.2% YoY
69.53%
+4.0% YoY
70.05%
+2.5% YoY
Bottom 4.2% in tier
Delinquency Rate ? 3.46%
+0.1% YoY -35.6% QoQ
+2.54% 0.92%
+15.7% YoY
1.13%
+25.5% YoY
0.98%
+16.3% YoY
Bottom 5.0% in tier
Loan-to-Deposit Ratio ? 87.91%
-2.9% YoY -8.1% QoQ
+9.96% 77.95%
+1.0% YoY
67.62%
+0.9% YoY
79.03%
+2.3% YoY
31%
Non-Interest-Bearing Deposit Share ? 23.75%
-7.4% YoY -7.5% QoQ
+1.72% 22.03%
-0.6% YoY
24.04%
+0.1% YoY
21.98%
-0.6% YoY
62%
Nonperforming Asset Ratio ? 2.52%
-3.9% YoY -40.6% QoQ
+1.85% 0.67%
+16.4% YoY
0.74%
+25.2% YoY
0.69%
+15.8% YoY
Bottom 4.7% in tier
Tier 1 Capital Ratio ? 13.12%
-11.4% YoY -4.1% QoQ
-2.78% 15.91%
+1.4% YoY
15.01%
+1.3% YoY
17.09%
+0.8% YoY
49%
Non-Interest Income / Assets ? 0.79%
-69.2% YoY +106.6% QoQ
+0.22% 0.57%
+7.6% YoY
0.35%
-14.4% YoY
0.66%
+5.2% YoY
Top 4.9% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Noninterest-Bearing 23.8%
-1.9pp YoY
-1.9pp QoQ
 +1.6pp 22.1% 24.0% 22.2% 61%
Brokered Deposits 25.1%
+9.2pp YoY
+2.5pp QoQ
 +17.3pp 7.9% 5.5% 8.5% 95%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
C&I 53.8%
+16.4pp YoY
+3.5pp QoQ
 +42.2pp 11.6% 16.9% 12.5% 99%
CRE 27.9%
+1.6pp YoY
+5.7pp QoQ
 -11.7pp 39.5% 43.5% 41.4% 31%
1-4 Family 12.4%
-10.5pp YoY
-9.2pp QoQ
 -20.2pp 32.6% 30.6% 31.3% 14%
Consumer 6.2%
-6.6pp YoY
-0.2pp QoQ
 +2.0pp 4.1% 5.7% 5.0% 82%

Capital

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
CET1 Ratio 13.1%
-1.7pp YoY
-0.6pp QoQ
 -5.7pp 18.8% 15.1% 19.7% 30%
Leverage Ratio 11.1%
-1.8pp YoY
-1.6pp QoQ
 -1.1pp 12.2% 13.2% 12.6% 52%
Total Capital Ratio 14.4%
-1.7pp YoY
-0.6pp QoQ
 -5.6pp 19.9% 16.2% 20.8% 31%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Full-Time Employees 77
-9 (-10.5%) YoY
+4 (+5.5%) QoQ
 +18 58 304 482 75%
Assets per Employee ($) $3.8M
+24.2% YoY
+1.9% QoQ
 -$3.7M $7.5M $6.9M $8.8M 3%
Branch Count 4
0 YoY
0 QoQ
 -1 4 20 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Past Due 90+ Days 1.4%
+0.6pp YoY
-0.6pp QoQ
 +1.0pp 0.3% 0.2% 0.4% 94%
Nonaccrual 2.1%
-0.6pp YoY
-1.3pp QoQ
 +1.2pp 0.9% 1.2% 1.0% 88%
Allowance Coverage 0.64x
+4.0% YoY
+32.8% QoQ
 -23.51x 24.15x 7.50x 20.23x 15%
Net Charge-off Rate (YTD) 4.3%
+4.1pp YoY
+4.1pp QoQ
 +4.2pp 0.1% 0.3% 0.2% 100%

Profitability

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
ROE 4.1%
-31.8pp YoY
+1.7pp QoQ
 -8.1pp 12.2% 10.0% 11.6% 11%
Cost of Funds (YTD) 2.4%
-0.1pp YoY
+0.1pp QoQ
 +0.7pp 1.7% 1.7% 1.7% 87%
Net Income ($, YTD) $712,000
-87.7% YoY
— QoQ
 -$1.8M $2.6M $17.2M $40.4M 17%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth
#256 of 661 • Top 38.6% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.79%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 0.51%
(Tier: 1.32%, National: 1.30%)
but worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (2)

Efficiency Drag

risk
#25 of 361 • Bottom 6.7% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 92.87%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#202 of 936 • Bottom 21.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

15
Net Interest Margin
profitability
Value: 6.81%
Peer Median: 3.99%
#15 of 2643 Top 0.5% in $100M-$1B
131
Non-Interest Income / Assets
revenue_mix
Value: 0.79%
Peer Median: 0.57%
#131 of 2643 Top 4.9% in $100M-$1B

Top Weaknesses (4 metrics)

2534
Efficiency Ratio
profitability
Value: 92.87%
Peer Median: 64.48%
#2534 of 2643 Bottom 4.2% in $100M-$1B
2519
Nonperforming Asset Ratio
credit_quality
Value: 2.52%
Peer Median: 0.67%
#2519 of 2643 Bottom 4.7% in $100M-$1B
2503
Delinquency Rate
credit_quality
Value: 3.46%
Peer Median: 0.92%
#2503 of 2633 Bottom 5.0% in $100M-$1B
2314
Return on Assets
profitability
Value: 0.51%
Peer Median: 1.32%
#2314 of 2643 Bottom 12.5% in $100M-$1B
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