First National Bank
Hamilton, AL · Cert 22271 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · Marion County Bancshares Inc.
National charter · OCC · 5 branches
Q2 2026
$372.7MAssets
$146.8MLoans
$305.5MDeposits
$66.3MEquity
Executive Summary
- Strongest standing: return on assets outperforms 95% of banks under $1B in assets operating in a single state (rank 36 of 752).
- Widest gap: net charge-offs / loans trails 93% of banks under $1B in assets operating in a single state (rank 693 of 748).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
2.10%
Rank 36 of 752
Net Interest Margin
4.24%
Rank 172 of 752
Efficiency Ratio
46.37%
Rank 69 of 752
Equity / Assets
17.79%
Rank 58 of 752
Non-interest income vs. expense
Unfavorable gap of $5.6M · efficiency ratio beats 91% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.10% | 0.72% | 1.07% | 1.45% | Beats 95% | 36 / 752 | |
| Return on Equity | 11.79% | 6.78% | 10.58% | 13.65% | Beats 61% | 292 / 752 | |
| Net Interest Margin | 4.24% | 3.18% | 3.69% | 4.17% | Beats 77% | 172 / 752 | |
| Efficiency Ratio | 46.37% | 55.75% | 64.49% | 75.47% | Beats 91% | 69 / 752 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.25% | 0.09% | 0.42% | 1.03% | Beats 62% | 288 / 748 | |
| Net Charge-Offs / Loans | 0.22% | 0.00% | 0.01% | 0.05% | Beats 7% | 693 / 748 | |
| Capital |
| Tier 1 Capital Ratio | 18.99% | 11.55% | 13.75% | 17.60% | Beats 80% | 151 / 752 | |
| Total Risk-Based Capital Ratio | 18.99% | 11.70% | 14.33% | 18.47% | Beats 77% | 172 / 752 | |
| Equity / Assets | 17.79% | 8.93% | 10.56% | 13.13% | Beats 92% | 58 / 752 | |
| Liquidity & Funding |
| Loans / Deposits | 48.06% | 62.23% | 78.64% | 91.26% | 11th pctl | 672 / 752 | |
| Loans / Assets | 39.40% | 54.61% | 67.41% | 76.47% | 9th pctl | 686 / 752 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |