Dozier Bank: how it compares with its peers
Against 10 AL banks with half to twice its assets, Dozier Bank's strongest measure in Q2 2026 is efficiency ratio (58.71% vs. a 77.82% peer median). Its weakest relative measure is net interest margin (3.30% vs. 3.86%).
| Measure | Dozier Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.06% | 0.63% | Top third Ahead of 80% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.30% | 3.86% | Bottom third Ahead of 20% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.71% | 77.82% | Top third Ahead of 100% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.0M | $4.3M | Top third Ahead of 90% of peers |
| Loans to deposits Net loans and leases over total deposits. | 49.19% | 45.06% | Context |
What it means for lending operations
Its efficiency ratio of 58.71% is better than the 77.82% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Bank of Brewton Brewton, AL · $50M
- Solutions Plus Bank Albertville, AL · $44M
- First Progressive Bank Brewton, AL · $32M
- Bank of Evergreen Evergreen, AL · $78M
- Commonwealth National Bank Mobile, AL · $79M
- Nova Bank Huntsville, AL · $91M
Questions about Dozier Bank
How big is Dozier Bank?
Dozier Bank, established in 1910, is headquartered in Dozier, AL. It reported $55M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Dozier Bank's return on assets?
1.06% annualized in Q2 2026, against a 0.63% median for 10 AL banks with half to twice its assets, ahead of 80% of them.
What is Dozier Bank's efficiency ratio?
58.71% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 77.82%, and lower is better.
Is Dozier Bank growing its loans?
Net loans shrank 10.9% over the year to Q2 2026, while deposits shrank 3.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are AL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Alabama bank ranked.