First Cahawba 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.
The standout move of Q2 2026 was in Securities to assets: 1.95 percentage points lower than in Q1 2026, at 15.74%. Within Alabama, First Cahawba Bank is 52nd of 93 on return on assets, 1.07% as of Q2 2026. First Cahawba Bank reported 1.07% on return on assets for Q2 2026, 0.19 points below the 1.26% median for banks in the $100M-1B 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 | 10.81% |
| Equity capital to assets | 9.02% |
| Tangible equity to tangible assets | 9.02% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.12% |
| Non-performing assets ratio | 0.09% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 0.88% |
| Allowance for credit losses to loans | 1.05% |
| Reserve coverage of non-performing loans | 876.40% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.07% |
| Return on equity | 11.92% |
| Net interest margin | 5.01% |
| Efficiency ratio | 65.60% |
| Yield on earning assets | 6.05% |
| Cost of funds | 1.09% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.49% |
| Core deposits to total deposits | 90.47% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.72% |
| Securities to assets | 15.74% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.65% | 13.65% | 14.62% | 8.86% | 1.05% |
| Q4 2023 | 13.55% | 13.55% | 14.50% | 9.29% | 1.09% |
| Q1 2024 | 13.73% | 13.73% | 14.67% | 9.84% | 1.05% |
| Q2 2024 | 14.16% | 14.16% | 15.32% | 10.21% | 0.97% |
| Q3 2024 | — | — | — | 10.30% | 1.06% |
| Q4 2024 | — | — | — | 9.89% | 0.79% |
| Q1 2025 | — | — | — | 10.02% | 1.18% |
| Q2 2025 | — | — | — | 10.06% | 1.22% |
| Q3 2025 | — | — | — | 9.97% | 1.33% |
| Q4 2025 | — | — | — | 10.30% | 1.10% |
| Q1 2026 | — | — | — | 10.73% | 1.20% |
| Q2 2026 | — | — | — | 10.81% | 1.07% |
First Cahawba Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Cahawba 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 First Cahawba Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58636) · FFIEC NIC profile (RSSD 3633016)