Brantley Bank & Trust Company: 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 2.07 percentage points lower than in Q1 2026, at 65.84%. Brantley Bank & Trust Company ranks 69th of 93 Alabama banks on return on assets, in the lower half at 0.78% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Brantley Bank & Trust Company sits 0.47 points lower, at 0.78% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.14% |
| Equity capital to assets | 8.23% |
| Tangible equity to tangible assets | 8.23% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.04% |
| Non-performing assets ratio | 1.38% |
| Net charge-off ratio | 0.22% |
| Texas ratio | 18.96% |
| Allowance for credit losses to loans | 1.16% |
| Reserve coverage of non-performing loans | 56.81% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.78% |
| Return on equity | 9.36% |
| Net interest margin | 5.15% |
| Efficiency ratio | 75.98% |
| Yield on earning assets | 6.73% |
| Cost of funds | 1.64% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.84% |
| Core deposits to total deposits | 79.68% |
| Brokered deposits to total deposits | 8.63% |
| Deposits to assets | 91.35% |
| Securities to assets | 22.79% |
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 | 11.78% | 0.72% | 4.06% | 0.14% | 0.01% |
| Q4 2023 | 11.15% | 0.26% | 3.70% | 0.16% | -0.01% |
| Q1 2024 | 10.96% | 0.40% | 3.47% | 0.13% | -0.20% |
| Q2 2024 | 11.08% | 0.29% | 3.96% | 1.22% | 0.19% |
| Q3 2024 | 11.21% | 0.88% | 4.20% | 1.78% | 0.03% |
| Q4 2024 | 10.63% | 0.27% | 4.19% | 1.66% | -0.01% |
| Q1 2025 | 10.54% | 0.23% | 4.13% | 1.72% | 0.01% |
| Q2 2025 | 10.02% | 0.68% | 4.46% | 1.46% | 0.78% |
| Q3 2025 | 10.29% | 0.75% | 4.54% | 1.48% | 0.09% |
| Q4 2025 | 10.30% | 0.72% | 4.76% | 1.41% | 0.07% |
| Q1 2026 | 10.48% | 0.73% | 4.82% | 1.96% | 0.46% |
| Q2 2026 | 10.14% | 0.78% | 5.15% | 2.04% | 0.22% |
Brantley Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Brantley Bank & Trust Company, 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 Brantley Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16386) · FFIEC NIC profile (RSSD 411231)