North Alabama 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 4151.58 percentage points in Q2 2026, from 4880.65% to 729.06%. It was the largest change from Q1 2026 among the key lines here. Within Alabama, North Alabama Bank is 21st of 93 on return on assets, 1.56% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. North Alabama Bank sits 0.30 points higher, at 1.56% (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 | 11.73% |
| Equity capital to assets | 11.42% |
| Tangible equity to tangible assets | 10.84% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.15% |
| Non-performing assets ratio | 0.11% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 0.98% |
| Allowance for credit losses to loans | 1.06% |
| Reserve coverage of non-performing loans | 729.06% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.56% |
| Return on equity | 13.66% |
| Net interest margin | 5.56% |
| Efficiency ratio | 61.13% |
| Yield on earning assets | 7.47% |
| Cost of funds | 2.02% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.36% |
| Core deposits to total deposits | 81.53% |
| Brokered deposits to total deposits | 4.49% |
| Deposits to assets | 87.36% |
| Securities to assets | 6.26% |
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 | 9.70% | 1.49% | 5.30% | 0.00% | -0.01% |
| Q4 2023 | 9.66% | 1.53% | 5.16% | 0.04% | 0.00% |
| Q1 2024 | 9.38% | 1.33% | 5.04% | 0.00% | 0.00% |
| Q2 2024 | 9.61% | 1.42% | 5.07% | 0.13% | -0.00% |
| Q3 2024 | 9.89% | 1.36% | 5.05% | 0.08% | -0.04% |
| Q4 2024 | 9.94% | 1.47% | 5.00% | 0.21% | -0.00% |
| Q1 2025 | 9.92% | 1.33% | 5.04% | 0.22% | -0.00% |
| Q2 2025 | 10.22% | 1.65% | 5.32% | 0.14% | 0.05% |
| Q3 2025 | 10.44% | 1.49% | 5.30% | 0.31% | -0.00% |
| Q4 2025 | 10.79% | 1.93% | 5.78% | 0.55% | 0.03% |
| Q1 2026 | 11.28% | 1.50% | 5.48% | 0.02% | 0.10% |
| Q2 2026 | 11.73% | 1.56% | 5.56% | 0.15% | 0.01% |
North Alabama Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock North Alabama 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 North Alabama Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27560) · FFIEC NIC profile (RSSD 1402384)