Bank of Moundville: how it compares with its peers
Against 36 AL banks with half to twice its assets, Bank of Moundville's strongest measure in Q2 2026 is assets per employee ($10.3M vs. a $4.9M peer median). Its weakest relative measure is net interest margin (2.72% vs. 3.90%).
| Measure | Bank of Moundville | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.39% | 1.07% | Bottom third Ahead of 8% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.72% | 3.90% | Bottom third Ahead of 6% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 79.67% | 69.82% | Bottom third Ahead of 19% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.3M | $4.9M | Top third Ahead of 94% of peers |
| Loans to deposits Net loans and leases over total deposits. | 45.49% | 64.26% | Context |
What it means for lending operations
Its efficiency ratio of 79.67% is above the 69.82% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Sweet Water State Bank Sweet Water, AL · $150M
- Merchants & Farmers Bank of Greene County, Alabama Eutaw, AL · $136M
- The Southern Bank Company Gadsden, AL · $133M
- First State Bank of the South, Inc. Sulligent, AL · $131M
- Citizens' Bank, Inc. Robertsdale, AL · $159M
- The Citizens Bank Greensboro, AL · $129M
Questions about Bank of Moundville
How big is Bank of Moundville?
Bank of Moundville, established in 1907, is headquartered in Moundville, AL. It reported $145M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Bank of Moundville's return on assets?
0.39% annualized in Q2 2026, against a 1.07% median for 36 AL banks with half to twice its assets, ahead of 8% of them.
What is Bank of Moundville's efficiency ratio?
79.67% in Q2 2026: it spent about 80 cents in noninterest expense for each dollar of revenue. The peer median is 69.82%, and lower is better.
Is Bank of Moundville growing its loans?
Net loans grew 5.6% over the year to Q2 2026, while deposits grew 6.2%.
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.