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First Cahawba Bank

$100M-$1B Specialty: Commercial AL FDIC cert 58636

Selma, AL

5 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 +0.9% year over year ($186.6M on the books).
  • Delinquency rate 0.12%.
  • Return on assets 1.13%.
  • Efficiency ratio 66.84% vs a 64.48% peer average.
  • Loan-to-deposit ratio 78.66% 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) →

First Cahawba Bank 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

  • + Net Interest Margin 0.97% above tier average
  • + Delinquency Rate 0.80% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 19.2% in tier
  • - Capital Thin: Bottom 38.0% in tier
  • - ROA 0.19% below tier average
  • - Efficiency Ratio 2.36% above tier average
Get updates when First Cahawba Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Total Assets ? $205.7M
+2.2% YoY +3.2% QoQ
-$180.8M $386.6M
+1.2% YoY
$2.5B
+1.5% YoY
$6.3B
+7.7% YoY
28%
Total Loans ? $146.8M
+17.0% YoY +4.3% QoQ
-$111.5M $258.3M
+1.7% YoY
$1.6B
+2.8% YoY
$3.2B
+9.4% YoY
34%
Total Deposits ? $186.6M
+0.9% YoY +3.1% QoQ
-$140.1M $326.7M
+0.7% YoY
$2.1B
+0.3% YoY
$4.9B
+7.3% YoY
31%
Return on Assets ? 1.13%
-5.2% YoY -5.6% QoQ
-0.19% 1.32%
+10.8% YoY
0.89%
-13.0% YoY
1.30%
+12.1% YoY
42%
Net Interest Margin ? 4.96%
+5.0% YoY +0.5% QoQ
+0.97% 3.99%
+5.0% YoY
4.02%
+3.4% YoY
3.95%
+4.9% YoY
Top 8.6% in tier
Efficiency Ratio ? 66.84%
-0.1% YoY -1.5% QoQ
+2.36% 64.48%
-3.2% YoY
69.53%
+4.0% YoY
70.05%
+2.5% YoY
37%
Delinquency Rate ? 0.12% -0.80% 0.92%
+15.7% YoY
1.13%
+25.5% YoY
0.98%
+16.3% YoY
73%
Loan-to-Deposit Ratio ? 78.66%
+15.9% YoY +1.2% QoQ
+0.70% 77.95%
+1.0% YoY
67.62%
+0.9% YoY
79.03%
+2.3% YoY
52%
Non-Interest-Bearing Deposit Share ? 24.10%
-8.0% YoY +2.8% QoQ
+2.07% 22.03%
-0.6% YoY
24.04%
+0.1% YoY
21.98%
-0.6% YoY
63%
Nonperforming Asset Ratio ? 0.09% -0.58% 0.67%
+16.4% YoY
0.74%
+25.2% YoY
0.69%
+15.8% YoY
73%
Tier 1 Capital Ratio ? 10.81%
+7.4% YoY +0.7% QoQ
-5.10% 15.91%
+1.4% YoY
15.01%
+1.3% YoY
17.09%
+0.8% YoY
21%
Non-Interest Income / Assets ? 0.13%
-5.0% YoY +91.7% QoQ
-0.44% 0.57%
+7.6% YoY
0.35%
-14.4% YoY
0.66%
+5.2% YoY
27%

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 24.1%
-2.1pp YoY
+0.7pp QoQ
 +1.9pp 22.1% 24.0% 22.2% 63%
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 18.3%
+2.2pp YoY
+2.3pp QoQ
 +6.8pp 11.6% 16.9% 12.5% 85%
CRE 39.6%
-6.8pp YoY
-1.4pp QoQ
 0.0pp 39.5% 43.5% 41.4% 52%
1-4 Family 40.3%
+5.3pp YoY
-0.1pp QoQ
 +7.6pp 32.6% 30.6% 31.3% 70%
Consumer 2.2%
-0.3pp YoY
+0.3pp QoQ
 -1.9pp 4.1% 5.7% 5.0% 51%

Capital

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.1% 19.7% n/a
Leverage Ratio 10.8%
+0.7pp YoY
+0.1pp QoQ
 -1.4pp 12.2% 13.2% 12.6% 46%
Total Capital Ratio n/a n/a 19.9% 16.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Full-Time Employees 42
+2 (+5.0%) YoY
+1 (+2.4%) QoQ
 -17 58 304 482 44%
Assets per Employee ($) $4.9M
-2.7% YoY
+0.7% QoQ
 -$2.6M $7.5M $6.9M $8.8M 13%
Branch Count 5
+1 (+25.0%) YoY
+1 (+25.0%) QoQ
 0 4 20 18 55%

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% -0.8pp 0.9% 1.2% 1.0% 21%
Allowance Coverage 8.76x -15.39x 24.15x 7.50x 20.23x 80%
Net Charge-off Rate (YTD) -0.1%
-0.1pp YoY
+0.1pp QoQ
 -0.2pp 0.1% 0.3% 0.2% 5%

Profitability

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
ROE 12.7%
-3.1pp YoY
-0.8pp QoQ
 +0.5pp 12.2% 10.0% 11.6% 54%
Cost of Funds (YTD) 1.0%
-0.1pp YoY
0.0pp QoQ
 -0.7pp 1.7% 1.7% 1.7% 12%
Net Income ($, YTD) $1.1M
-3.1% YoY
— QoQ
 -$1.4M $2.6M $17.2M $40.4M 31%

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 (2)

Credit Quality Pressure

risk
#242 of 1256 • Bottom 19.2% in tier

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

Why this signature
Delinquency Rate: 0.12%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Capital Thin

risk
#252 of 661 • Bottom 38.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.81%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | 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 (1 metrics)

228
Net Interest Margin
profitability
Value: 4.96%
Peer Median: 3.99%
#228 of 2643 Top 8.6% in $100M-$1B

Top Weaknesses (1 metrics)

2100
Tier 1 Capital Ratio
capital
Value: 10.81%
Peer Median: 15.91%
#2100 of 2643 Bottom 20.6% in $100M-$1B
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