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Premier Bank of the South

$100M-$1B Specialty: Other AL FDIC cert 27118

Cullman, AL

9 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 +0.5% year over year ($337.1M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.07%.
  • Efficiency ratio 73.79% vs a 64.48% peer average.
  • Loan-to-deposit ratio 67.98% 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) →

Premier Bank of the South has 3 strengths but faces 3 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

  • + Delinquency Rate 0.92% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + Net Interest Margin 0.15% above tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 49.3% in tier
  • - ROA 0.25% below tier average
  • - Efficiency Ratio 9.32% above tier average
Get updates when Premier Bank of the South releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Total Assets ? $370.6M
+1.0% YoY -0.4% QoQ
-$15.9M $386.6M
+1.2% YoY
$2.5B
+1.5% YoY
$6.3B
+7.7% YoY
57%
Total Loans ? $229.1M
+10.4% YoY +1.2% QoQ
-$29.2M $258.3M
+1.7% YoY
$1.6B
+2.8% YoY
$3.2B
+9.4% YoY
54%
Total Deposits ? $337.1M
+0.5% YoY -0.5% QoQ
+$10.3M $326.7M
+0.7% YoY
$2.1B
+0.3% YoY
$4.9B
+7.3% YoY
61%
Return on Assets ? 1.07%
-5.3% YoY +7.3% QoQ
-0.25% 1.32%
+10.8% YoY
0.89%
-13.0% YoY
1.30%
+12.1% YoY
38%
Net Interest Margin ? 4.14%
+3.6% YoY +2.0% QoQ
+0.15% 3.99%
+5.0% YoY
4.02%
+3.4% YoY
3.95%
+4.9% YoY
62%
Efficiency Ratio ? 73.79%
+3.7% YoY +0.1% QoQ
+9.32% 64.48%
-3.2% YoY
69.53%
+4.0% YoY
70.05%
+2.5% YoY
22%
Delinquency Rate ? 0.00%
-100.0% YoY -100.0% QoQ
-0.92% 0.92%
+15.7% YoY
1.13%
+25.5% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 67.98%
+9.8% YoY +1.7% QoQ
-9.97% 77.95%
+1.0% YoY
67.62%
+0.9% YoY
79.03%
+2.3% YoY
73%
Non-Interest-Bearing Deposit Share ? 27.67%
+0.3% YoY -1.7% QoQ
+5.64% 22.03%
-0.6% YoY
24.04%
+0.1% YoY
21.98%
-0.6% YoY
75%
Nonperforming Asset Ratio ? 0.00%
-100.0% YoY -100.0% QoQ
-0.67% 0.67%
+16.4% YoY
0.74%
+25.2% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 16.07%
-4.0% YoY +2.0% QoQ
+0.16% 15.91%
+1.4% YoY
15.01%
+1.3% YoY
17.09%
+0.8% YoY
72%
Non-Interest Income / Assets ? 0.39%
+6.4% YoY +116.0% QoQ
-0.18% 0.57%
+7.6% YoY
0.35%
-14.4% YoY
0.66%
+5.2% YoY
84%

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 27.7%
+0.1pp YoY
-0.5pp QoQ
 +5.5pp 22.1% 24.0% 22.2% 75%
Brokered Deposits n/a n/a 7.9% 5.5% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
C&I 11.9%
+0.1pp YoY
+0.3pp QoQ
 +0.3pp 11.6% 16.9% 12.5% 63%
CRE 22.6%
-0.8pp YoY
-0.5pp QoQ
 -16.9pp 39.5% 43.5% 41.4% 22%
1-4 Family 55.0%
+1.1pp YoY
+0.1pp QoQ
 +22.4pp 32.6% 30.6% 31.3% 86%
Consumer 8.2%
-0.9pp YoY
+0.4pp QoQ
 +4.1pp 4.1% 5.7% 5.0% 89%

Capital

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
CET1 Ratio 16.1%
-0.7pp YoY
+0.3pp QoQ
 -2.8pp 18.8% 15.1% 19.7% 58%
Leverage Ratio 9.4%
+0.1pp YoY
+0.1pp QoQ
 -2.8pp 12.2% 13.2% 12.6% 18%
Total Capital Ratio 17.3%
-0.5pp YoY
+0.5pp QoQ
 -2.6pp 19.9% 16.2% 20.8% 58%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Full-Time Employees 80
+2 (+2.6%) YoY
-3 (-3.6%) QoQ
 +21 58 304 482 77%
Assets per Employee ($) $4.6M
-1.5% YoY
+3.3% QoQ
 -$2.9M $7.5M $6.9M $8.8M 10%
Branch Count 9
0 YoY
0 QoQ
 +4 4 20 18 86%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual n/a n/a 0.9% 1.2% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 7.50x 20.23x n/a
Net Charge-off Rate (YTD) -0.2%
-0.3pp YoY
-0.3pp QoQ
 -0.3pp 0.1% 0.3% 0.2% 2%

Profitability

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
ROE 12.7%
-2.0pp YoY
+0.8pp QoQ
 +0.5pp 12.2% 10.0% 11.6% 54%
Cost of Funds (YTD) 1.3%
-0.2pp YoY
0.0pp QoQ
 -0.4pp 1.7% 1.7% 1.7% 24%
Net Income ($, YTD) $2.0M
-4.4% YoY
— QoQ
 -$559K $2.6M $17.2M $40.4M 52%

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 (0)

No matched strength signatures this quarter

Concerns (1)

Flatlined Growth

risk
#262 of 529 • Bottom 49.3% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.07%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank declining

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 (4 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
431
Non-Interest Income / Assets
revenue_mix
Value: 0.39%
Peer Median: 0.57%
#431 of 2643 Top 16.3% in $100M-$1B
656
Non-Interest-Bearing Deposit Share
funding
Value: 27.67%
Peer Median: 22.03%
#656 of 2643 Top 24.8% in $100M-$1B

Top Weaknesses (1 metrics)

2052
Efficiency Ratio
profitability
Value: 73.79%
Peer Median: 64.48%
#2052 of 2643 Bottom 22.4% in $100M-$1B
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