First National Bank
Hamilton, AL · Cert 22271 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · 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 96% of banks under $1B in assets operating in a single state (rank 32 of 746).
- Widest gap: net charge-offs / loans trails 93% of banks under $1B in assets operating in a single state (rank 690 of 743).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
2.10%
Rank 32 of 746
Net Interest Margin
4.24%
Rank 164 of 746
Efficiency Ratio
46.37%
Rank 64 of 746
Equity / Assets
17.79%
Rank 56 of 746
Non-interest income vs. expense
Unfavorable gap of $5.6M · efficiency ratio beats 92% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.10% | 0.72% | 1.06% | 1.45% | Beats 96% | 32 / 746 | | |
| Return on Equity | 11.79% | 6.74% | 10.51% | 13.63% | Beats 62% | 287 / 746 | | |
| Net Interest Margin | 4.24% | 3.17% | 3.68% | 4.16% | Beats 78% | 164 / 746 | | |
| Efficiency Ratio | 46.37% | 55.74% | 64.58% | 75.47% | Beats 92% | 64 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.25% | 0.09% | 0.42% | 1.07% | Beats 62% | 281 / 743 | | |
| Net Charge-Offs / Loans | 0.22% | 0.00% | 0.01% | 0.05% | Beats 7% | 690 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 18.99% | 11.55% | 13.75% | 17.60% | Beats 80% | 147 / 746 | | |
| Total Risk-Based Capital Ratio | 18.99% | 11.71% | 14.33% | 18.43% | Beats 77% | 168 / 746 | | |
| Equity / Assets | 17.79% | 8.90% | 10.51% | 13.06% | Beats 92% | 56 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 48.06% | 61.31% | 78.27% | 90.78% | 11th pctl | 661 / 746 | | |
| Loans / Assets | 39.40% | 53.60% | 66.97% | 76.08% | 9th pctl | 678 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |