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Local Bank

$100M-$1B Specialty: Commercial AL FDIC cert 9614

Designations: ✓ CDFI-certified

Tuscaloosa, AL

3 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 +16.7% year over year ($87.5M on the books).
  • Delinquency rate 1.44%.
  • Return on assets -1.47%.
  • Efficiency ratio 111.08% vs a 64.48% peer average.
  • Loan-to-deposit ratio 97.84% 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) →

Local Bank has 1 strength but faces 5 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 34.2% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 13.8% in tier
  • - NIB Deposit Bleed: Bottom 43.2% in tier
  • - Return on Assets 2.80% below tier average
  • - Net Interest Margin 0.31% below tier average
  • - Delinquency Rate 0.52% above tier average
Get updates when Local 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 ? $111.3M
+17.7% YoY +5.6% QoQ
-$275.3M $386.6M
+1.2% YoY
$2.5B
+1.5% YoY
$6.3B
+7.7% YoY
Bottom 3.1% in tier
Total Loans ? $85.6M
+17.2% YoY +0.3% QoQ
-$172.8M $258.3M
+1.7% YoY
$1.6B
+2.8% YoY
$3.2B
+9.4% YoY
Bottom 12.6% in tier
Total Deposits ? $87.5M
+16.7% YoY +11.7% QoQ
-$239.3M $326.7M
+0.7% YoY
$2.1B
+0.3% YoY
$4.9B
+7.3% YoY
Bottom 1.9% in tier
Return on Assets ? -1.47%
+32.8% QoQ
-2.80% 1.32%
+10.8% YoY
0.89%
-13.0% YoY
1.30%
+12.1% YoY
Bottom 0.9% in tier
Net Interest Margin ? 3.68%
-9.9% YoY +10.5% QoQ
-0.31% 3.99%
+5.0% YoY
4.02%
+3.4% YoY
3.95%
+4.9% YoY
36%
Efficiency Ratio ? 111.08%
+11.5% YoY -6.2% QoQ
+46.60% 64.48%
-3.2% YoY
69.53%
+4.0% YoY
70.05%
+2.5% YoY
Bottom 1.2% in tier
Delinquency Rate ? 1.44%
-0.7% QoQ
+0.52% 0.92%
+15.7% YoY
1.13%
+25.5% YoY
0.98%
+16.3% YoY
19%
Loan-to-Deposit Ratio ? 97.84%
+0.4% YoY -10.2% QoQ
+19.89% 77.95%
+1.0% YoY
67.62%
+0.9% YoY
79.03%
+2.3% YoY
Bottom 12.6% in tier
Non-Interest-Bearing Deposit Share ? 12.74%
-18.6% YoY -12.7% QoQ
-9.29% 22.03%
-0.6% YoY
24.04%
+0.1% YoY
21.98%
-0.6% YoY
17%
Nonperforming Asset Ratio ? 1.27%
+356.6% YoY -5.6% QoQ
+0.60% 0.67%
+16.4% YoY
0.74%
+25.2% YoY
0.69%
+15.8% YoY
15%
Tier 1 Capital Ratio ? 14.29%
-11.7% YoY -2.9% QoQ
-1.62% 15.91%
+1.4% YoY
15.01%
+1.3% YoY
17.09%
+0.8% YoY
60%
Non-Interest Income / Assets ? 3.86%
-3.2% YoY +109.2% QoQ
+3.29% 0.57%
+7.6% YoY
0.35%
-14.4% YoY
0.66%
+5.2% YoY
Top 0.9% 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 12.7%
-2.9pp YoY
-1.9pp QoQ
 -9.4pp 22.1% 24.0% 22.2% 16%
Brokered Deposits 5.1%
+4.2pp YoY
 -2.7pp 7.9% 5.5% 8.5% 53%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
C&I 10.8%
+0.3pp YoY
-0.7pp QoQ
 -0.8pp 11.6% 16.9% 12.5% 57%
CRE 45.6%
+1.3pp YoY
+4.2pp QoQ
 +6.1pp 39.5% 43.5% 41.4% 63%
1-4 Family 41.0%
-2.4pp YoY
-3.5pp QoQ
 +8.4pp 32.6% 30.6% 31.3% 72%
Consumer 1.5%
+0.1pp YoY
+0.1pp QoQ
 -2.6pp 4.1% 5.7% 5.0% 40%

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 14.3%
-1.9pp YoY
-0.4pp QoQ
 +2.1pp 12.2% 13.2% 12.6% 83%
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 70
+15 (+27.3%) YoY
-7 (-9.1%) QoQ
 +11 58 304 482 71%
Assets per Employee ($) $1.6M
-7.5% YoY
+16.1% QoQ
 -$5.9M $7.5M $6.9M $8.8M 0%
Branch Count 3
0 YoY
0 QoQ
 -2 4 20 18 26%

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 1.4%
+1.3pp YoY
0.0pp QoQ
 +0.5pp 0.9% 1.2% 1.0% 81%
Allowance Coverage 0.64x
-91.9% YoY
+6.4% QoQ
 -23.52x 24.15x 7.50x 20.23x 15%
Net Charge-off Rate (YTD) 0.4%
+0.4pp YoY
-0.4pp QoQ
 +0.3pp 0.1% 0.3% 0.2% 92%

Profitability

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
ROE -9.2%
-8.6pp YoY
+4.2pp QoQ
 -21.4pp 12.2% 10.0% 11.6% 1%
Cost of Funds (YTD) 2.8%
-0.1pp YoY
-0.1pp QoQ
 +1.0pp 1.7% 1.7% 1.7% 95%
Net Income ($, YTD) $-802000.0
-1765.1% YoY
— QoQ
 -$3.4M $2.6M $17.2M $40.4M 2%

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
#227 of 661 • Top 34.2% 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: 3.86%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: -1.47%
(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
#51 of 361 • Bottom 13.8% in tier

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

Why this signature
Efficiency Ratio: 111.08%
(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

NIB Deposit Bleed

decline
#71 of 162 • Bottom 43.2% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 12.74%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 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 (1 metrics)

24
Non-Interest Income / Assets
revenue_mix
Value: 3.86%
Peer Median: 0.57%
#24 of 2643 Top 0.9% in $100M-$1B

Top Weaknesses (9 metrics)

2620
Return on Assets
profitability
Value: -1.47%
Peer Median: 1.32%
#2620 of 2643 Bottom 0.9% in $100M-$1B
2611
Efficiency Ratio
profitability
Value: 111.08%
Peer Median: 64.48%
#2611 of 2643 Bottom 1.2% in $100M-$1B
2595
Total Deposits
size
Value: $87.46M
Peer Median: $326.73M
#2595 of 2643 Bottom 1.9% in $100M-$1B
2563
Total Assets
size
Value: $111.30M
Peer Median: $386.57M
#2563 of 2643 Bottom 3.1% in $100M-$1B
2310
Loan-to-Deposit Ratio
liquidity
Value: 97.84%
Peer Median: 77.95%
#2310 of 2643 Bottom 12.6% in $100M-$1B
2310
Total Loans
size
Value: $85.57M
Peer Median: $258.35M
#2310 of 2643 Bottom 12.6% in $100M-$1B
2239
Nonperforming Asset Ratio
credit_quality
Value: 1.27%
Peer Median: 0.67%
#2239 of 2643 Bottom 15.3% in $100M-$1B
2207
Non-Interest-Bearing Deposit Share
funding
Value: 12.74%
Peer Median: 22.03%
#2207 of 2643 Bottom 16.5% in $100M-$1B
2126
Delinquency Rate
credit_quality
Value: 1.44%
Peer Median: 0.92%
#2126 of 2633 Bottom 19.3% in $100M-$1B
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