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Robertson Banking Company

$100M-$1B Specialty: Commercial AL FDIC cert 39

Designations: ✓ CDFI-certified

Demopolis, AL

8 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 -4.6% year over year ($399.5M on the books).
  • Delinquency rate 0.13%.
  • Return on assets 2.04%.
  • Efficiency ratio 52.38% vs a 64.48% peer average.
  • Loan-to-deposit ratio 77.58% 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) →

Robertson Banking Company has 4 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

  • + ROA 0.72% above tier average
  • + Net Interest Margin 0.30% above tier average
  • + Efficiency Ratio 12.10% below tier average
  • + Delinquency Rate 0.79% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 0.1% in tier
  • - Credit Quality Pressure: Bottom 8.7% in tier
  • - Deposit Outflow: Bottom 40.8% in tier
Get updates when Robertson 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 ? $462.7M
-3.2% YoY -2.6% QoQ
+$76.1M $386.6M
+1.2% YoY
$2.5B
+1.5% YoY
$6.3B
+7.7% YoY
69%
Total Loans ? $309.9M
+0.6% YoY +1.4% QoQ
+$51.6M $258.3M
+1.7% YoY
$1.6B
+2.8% YoY
$3.2B
+9.4% YoY
69%
Total Deposits ? $399.5M
-4.6% YoY -3.5% QoQ
+$72.8M $326.7M
+0.7% YoY
$2.1B
+0.3% YoY
$4.9B
+7.3% YoY
70%
Return on Assets ? 2.04%
+4.7% YoY -4.2% QoQ
+0.72% 1.32%
+10.8% YoY
0.89%
-13.0% YoY
1.30%
+12.1% YoY
Top 12.4% in tier
Net Interest Margin ? 4.29%
+2.6% YoY +1.7% QoQ
+0.30% 3.99%
+5.0% YoY
4.02%
+3.4% YoY
3.95%
+4.9% YoY
70%
Efficiency Ratio ? 52.38%
-1.9% YoY +7.7% QoQ
-12.10% 64.48%
-3.2% YoY
69.53%
+4.0% YoY
70.05%
+2.5% YoY
79%
Delinquency Rate ? 0.13%
+12.7% YoY +90.1% QoQ
-0.79% 0.92%
+15.7% YoY
1.13%
+25.5% YoY
0.98%
+16.3% YoY
72%
Loan-to-Deposit Ratio ? 77.58%
+5.4% YoY +5.1% QoQ
-0.37% 77.95%
+1.0% YoY
67.62%
+0.9% YoY
79.03%
+2.3% YoY
54%
Non-Interest-Bearing Deposit Share ? 32.33%
+3.1% YoY +3.4% QoQ
+10.30% 22.03%
-0.6% YoY
24.04%
+0.1% YoY
21.98%
-0.6% YoY
Top 13.7% in tier
Nonperforming Asset Ratio ? 0.09%
+17.2% YoY +98.1% QoQ
-0.58% 0.67%
+16.4% YoY
0.74%
+25.2% YoY
0.69%
+15.8% YoY
73%
Tier 1 Capital Ratio ? 14.86%
+1.6% YoY +2.9% QoQ
-1.05% 15.91%
+1.4% YoY
15.01%
+1.3% YoY
17.09%
+0.8% YoY
65%
Non-Interest Income / Assets ? 0.28%
+5.5% YoY +101.2% QoQ
-0.29% 0.57%
+7.6% YoY
0.35%
-14.4% YoY
0.66%
+5.2% YoY
68%

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 32.3%
+1.0pp YoY
+1.1pp QoQ
 +10.2pp 22.1% 24.0% 22.2% 86%
Brokered Deposits 0.0%
-0.2pp YoY
0.0pp QoQ
 -7.9pp 7.9% 5.5% 8.5% 1%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
C&I 5.3%
+1.3pp YoY
0.0pp QoQ
 -6.2pp 11.6% 16.9% 12.5% 22%
CRE 61.1%
-1.4pp YoY
-1.3pp QoQ
 +21.6pp 39.5% 43.5% 41.4% 86%
1-4 Family 25.5%
+0.5pp YoY
+1.2pp QoQ
 -7.2pp 32.6% 30.6% 31.3% 42%
Consumer 1.0%
0.0pp YoY
-0.1pp QoQ
 -3.1pp 4.1% 5.7% 5.0% 28%

Capital

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
CET1 Ratio 14.9%
+0.2pp YoY
+0.4pp QoQ
 -4.0pp 18.8% 15.1% 19.7% 48%
Leverage Ratio 11.3%
+0.9pp YoY
+0.4pp QoQ
 -0.9pp 12.2% 13.2% 12.6% 55%
Total Capital Ratio 16.1%
+0.2pp YoY
+0.4pp QoQ
 -3.8pp 19.9% 16.2% 20.8% 49%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Full-Time Employees 72
-4 (-5.3%) YoY
0 QoQ
 +13 58 304 482 72%
Assets per Employee ($) $6.4M
+2.2% YoY
-2.6% QoQ
 -$1.1M $7.5M $6.9M $8.8M 41%
Branch Count 8
0 YoY
0 QoQ
 +3 4 20 18 82%

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 0.1%
0.0pp YoY
+0.1pp QoQ
 -0.8pp 0.9% 1.2% 1.0% 22%
Allowance Coverage 11.71x
-11.4% YoY
-48.1% QoQ
 -12.44x 24.15x 7.50x 20.23x 84%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.3% 0.2% 10%

Profitability

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
ROE 19.3%
-1.3pp YoY
-1.3pp QoQ
 +7.1pp 12.2% 10.0% 11.6% 86%
Cost of Funds (YTD) 1.1%
-0.1pp YoY
0.0pp QoQ
 -0.6pp 1.7% 1.7% 1.7% 14%
Net Income ($, YTD) $4.8M
+3.8% YoY
— QoQ
 +$2.2M $2.6M $17.2M $40.4M 86%

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 (3)

Credit Risk Growth

risk
#1 of 936 • Bottom 0.1% 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

Credit Quality Pressure

risk
#110 of 1256 • Bottom 8.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.13%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Deposit Outflow

decline
#219 of 535 • Bottom 40.8% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

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 (3 metrics)

330
Return on Assets
profitability
Value: 2.04%
Peer Median: 1.32%
#330 of 2643 Top 12.4% in $100M-$1B
364
Non-Interest-Bearing Deposit Share
funding
Value: 32.33%
Peer Median: 22.03%
#364 of 2643 Top 13.7% in $100M-$1B
568
Efficiency Ratio
profitability
Value: 52.38%
Peer Median: 64.48%
#568 of 2643 Top 21.5% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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