Dozier Bank: 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 34.92 percentage points in Q2 2026, from 96.17% to 61.25%. It was the largest change from Q1 2026 among the key lines here. Dozier Bank ranks 58th of 93 Alabama banks on return on assets, in the lower half at 0.99% (Q2 2026). At 0.99%, Dozier Bank's return on assets is close to the 0.98% median for banks in the < $100M asset tier (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 | 26.77% |
| Equity capital to assets | 24.71% |
| Tangible equity to tangible assets | 24.71% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.84% |
| Non-performing assets ratio | 0.67% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.68% |
| Allowance for credit losses to loans | 1.13% |
| Reserve coverage of non-performing loans | 61.25% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.99% |
| Return on equity | 4.14% |
| Net interest margin | 3.21% |
| Efficiency ratio | 58.39% |
| Yield on earning assets | 4.28% |
| Cost of funds | 1.09% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 49.75% |
| Core deposits to total deposits | 95.82% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 73.54% |
| Securities to assets | 37.09% |
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 | 26.21% | 0.44% | 2.41% | 0.25% | 0.00% |
| Q4 2023 | 25.73% | 0.31% | 2.70% | 0.22% | 0.00% |
| Q1 2024 | 25.28% | 0.64% | 2.86% | 0.18% | 0.00% |
| Q2 2024 | 25.07% | 1.02% | 3.10% | 0.16% | 0.00% |
| Q3 2024 | 25.31% | 1.04% | 3.10% | 2.88% | 0.00% |
| Q4 2024 | 25.46% | 0.75% | 3.19% | 0.83% | 0.52% |
| Q1 2025 | 25.54% | 0.73% | 2.96% | 0.72% | 0.02% |
| Q2 2025 | 25.86% | 1.43% | 3.30% | 0.28% | 0.00% |
| Q3 2025 | 26.27% | 0.83% | 3.29% | 0.19% | 0.04% |
| Q4 2025 | 26.73% | 0.92% | 3.06% | 3.45% | -0.05% |
| Q1 2026 | 26.66% | 1.08% | 3.28% | 1.08% | 0.00% |
| Q2 2026 | 26.77% | 0.99% | 3.21% | 1.84% | 0.00% |
Dozier Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Dozier Bank, 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 Dozier Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2794) · FFIEC NIC profile (RSSD 496434)