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Q2 2026 · read from the 30 June 2026 Call Report · United States · South Central · Alabama, the state note

Bryant Bank

Tuscaloosa, Alabama · $2.94B in assets · beside the 11 other Alabama banks between $1B and $3B

The filing

57.1%
Loans / deposits
2nd of 12
0.07%
NPA / loans
2nd of 12
1.58%
ROA
2nd of 12

Bryant Bank is the largest of the 12 Alabama banks nearest its size between $1B and $3B, with $2.94B in assets at 30 June 2026. Loans are 57.1% of deposits, 2nd of 12 against a median of 74.0%, and equity is 9.4% of assets, 7th of 12. Loans grew -2.8% in the year, 11th of 12, and deposits grew 8.9%; the cohort's median loan growth is +2.7%.

Noncurrent loans are 0.07% of the book, 2nd of 12 against a median of 0.62%; 0.02% is 30 to 89 days past due, and the allowance covers them 15.8 times. Commercial real estate is 43.9% of loans, 10th of 12 against a median of 38.0%, and 200% of capital, below the 300% screen, with construction at 70% against the 100% screen.

Return on assets is 1.58%, 2nd of 12 against a median of 1.21%, on an efficiency ratio of 54.2%, 3rd of 12. Five years ago it was 0.82%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Loans as a share of depositsAL banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 74.0% CB Citizens Bank & Trust 56.6% BB Bryant Bank 57.1% A Auburnbank 58.6% MB Metro Bank 59.1% FB First Bank of Alabama 66.7% PB Peoples Bank of Alabama 72.6% BI Bank Independent 75.4% TB Troy Bank & Trust Co. 75.5% UB United Bank 76.9% SB Southpoint Bank 85.4% FU First U.S. Bank 85.7% OC Oakworth Capital Bank 97.7%
Loans, year over yearAL banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +2.7% OC Oakworth Capital Bank +15.4% FB First Bank of Alabama +15.1% UB United Bank +5.5% PB Peoples Bank of Alabama +4.8% TB Troy Bank & Trust Co. +4.4% A Auburnbank +3.1% CB Citizens Bank & Trust +2.2% MB Metro Bank +1.9% BI Bank Independent +0.4% FU First U.S. Bank -1.2% BB Bryant Bank -2.8% SB Southpoint Bank -26.1%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Bryant BankRankCohort median
Total CRE against capital, the 300% screen200%6th of 12207%
Construction against capital, the 100% screen70%11th of 1248%
Construction and land development, share of loans15.4%11th of 129.1%
Non-owner-occupied nonfarm nonresidential, share of loans23.5%8th of 1220.7%
Total CRE, the guidance definition, share of loans43.9%10th of 1238.0%
CRE growth over 36 months, the third prong+23.1%8th of 12+15.1%
Commercial real estate against capital, the 300% screenAL banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 207% UB United Bank 115% TB Troy Bank & Trust Co. 155% CB Citizens Bank & Trust 160% MB Metro Bank 187% OC Oakworth Capital Bank 190% BB Bryant Bank 200% PB Peoples Bank of Alabama 215% BI Bank Independent 243% FB First Bank of Alabama 244% FU First U.S. Bank 249% A Auburnbank 273% SB Southpoint Bank 350%
CRE growth over 36 months, the guidance's third prongAL banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median +15.1% SB Southpoint Bank -18.8% FU First U.S. Bank -0.9% BI Bank Independent +3.9% TB Troy Bank & Trust Co. +9.3% CB Citizens Bank & Trust +10.7% FB First Bank of Alabama +12.7% PB Peoples Bank of Alabama +17.5% BB Bryant Bank +23.1% A Auburnbank +25.3% MB Metro Bank +32.1% OC Oakworth Capital Bank +45.1% UB United Bank +54.3%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Bryant Bank$2.94B1.6%54.2%0.07%-0.02%1.0%57.1%9.4%
Bank Independent$2.86B0.6%80.2%0.22%0.24%1.4%75.4%10.2%
Oakworth Capital Bank$2.13B1.2%58.6%0.68%0.21%1.2%97.7%9.1%
Troy Bank & Trust Co.$1.60B1.4%53.2%1.35%0.20%1.3%75.5%12.0%
United Bank$1.48B1.3%62.8%1.35%0.03%1.3%76.9%14.9%
Peoples Bank of Alabama$1.42B1.9%61.6%0.56%0.09%1.6%72.6%10.1%
First Bank of Alabama$1.36B1.3%62.6%3.40%0.33%1.2%66.7%8.2%
Southpoint Bank$1.36B-1.8%65.8%3.54%4.45%2.7%85.4%7.7%
Citizens Bank & Trust$1.20B0.6%78.1%0.08%0.03%1.0%56.6%6.3%
Metro Bank$1.18B1.4%51.0%1.18%0.18%1.2%59.1%14.4%
First U.S. Bank$1.15B0.8%67.8%0.15%0.26%1.3%85.7%9.5%
Auburnbank$1.09B0.9%68.2%0.01%0.13%1.1%58.6%8.4%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Bryant BankCohort median
20212026Change20212026Change
Loans$1.13B$1.34B+19%$622M$933M+50%
Deposits$2.07B$2.34B+13%$872M$1.24B+42%
NPA / loans0.37%0.07%-0.30 pts0.44%0.62%+0.18 pts
Efficiency68.1%54.2%-13.9 pts66.0%62.7%-3.2 pts
ROA0.82%1.58%+0.76 pts1.20%1.21%+0.01 pts

This read was prepared for Bryant Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Bryant Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort AL banks $1B to $3B
Institution www.bryantbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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