Amory First Savings and Loan Bank, SSB: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 180.18 percentage points in Q2 2026, from 2668.18% to 2488.00%. It was the largest change from Q1 2026 among the key lines here. Within Mississippi, Amory First Savings and Loan Bank, SSB is 37th of 57 on return on assets, 1.06% as of Q2 2026, below the middle of the field. Amory First Savings and Loan Bank, SSB reported 1.06% on return on assets for Q2 2026, 0.08 points above the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.11% |
| Equity capital to assets | 12.92% |
| Tangible equity to tangible assets | 12.92% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.04% |
| Non-performing assets ratio | 0.03% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 7.88% |
| Allowance for credit losses to loans | 1.00% |
| Reserve coverage of non-performing loans | 2488.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.06% |
| Return on equity | 8.33% |
| Net interest margin | 2.86% |
| Efficiency ratio | 54.07% |
| Yield on earning assets | 5.60% |
| Cost of funds | 3.01% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.45% |
| Core deposits to total deposits | 82.32% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.49% |
| Securities to assets | 9.79% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 14.38% | -0.05% | 2.24% | 0.13% | 0.03% |
| Q4 2023 | 12.19% | -7.34% | 1.68% | 0.13% | 0.00% |
| Q1 2024 | 12.47% | 0.06% | 1.83% | 0.32% | 0.00% |
| Q2 2024 | 13.01% | 1.40% | 1.76% | 0.31% | 0.00% |
| Q3 2024 | 13.20% | -0.17% | 1.94% | 0.42% | 0.18% |
| Q4 2024 | 13.32% | 0.09% | 2.13% | 0.19% | 0.00% |
| Q1 2025 | 13.44% | 0.34% | 2.37% | 0.17% | 0.00% |
| Q2 2025 | 13.54% | -0.03% | 2.41% | 0.48% | 0.00% |
| Q3 2025 | 13.08% | 0.46% | 2.42% | 0.18% | 0.00% |
| Q4 2025 | 12.97% | 0.52% | 2.99% | 0.26% | 0.00% |
| Q1 2026 | 12.97% | 0.16% | 2.70% | 0.04% | 0.06% |
| Q2 2026 | 13.11% | 1.06% | 2.86% | 0.04% | 0.00% |
Amory First Savings and Loan Bank, SSB vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Amory First Savings and Loan Bank, SSB, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Amory First Savings and Loan Bank, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28949) · FFIEC NIC profile (RSSD 715975)