First Metro Bank
Muscle Shoals, AL · Cert 27381 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · First Metro Bcorp
State charter, non-member · FDIC · 11 branches
Q2 2026
$1.0BAssets
$599.7MLoans
$893.7MDeposits
$113.6MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 91% of banks $1B-$10B in assets operating in a single state (rank 23 of 257).
- Widest gap: net charge-offs / loans trails 80% of banks $1B-$10B in assets operating in a single state (rank 208 of 258).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.62%
Rank 50 of 258
Net Interest Margin
3.45%
Rank 135 of 258
Efficiency Ratio
44.72%
Rank 23 of 257
Equity / Assets
11.22%
Rank 90 of 258
Non-interest income vs. expense
Unfavorable gap of $13.4M · efficiency ratio beats 91% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.62% | 0.93% | 1.23% | 1.54% | Beats 81% | 50 / 258 | |
| Return on Equity | 14.39% | 9.26% | 11.84% | 14.74% | Beats 72% | 73 / 258 | |
| Net Interest Margin | 3.45% | 3.16% | 3.49% | 3.88% | Beats 48% | 135 / 258 | |
| Efficiency Ratio | 44.72% | 51.71% | 60.30% | 69.65% | Beats 91% | 23 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.13% | 0.19% | 0.46% | 0.90% | Beats 82% | 47 / 258 | |
| Net Charge-Offs / Loans | 0.11% | 0.01% | 0.02% | 0.07% | Beats 20% | 208 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 12.98% | 11.41% | 12.98% | 15.12% | Beats 50% | 129 / 258 | |
| Total Risk-Based Capital Ratio | 12.98% | 12.10% | 13.91% | 16.08% | Beats 37% | 162 / 258 | |
| Equity / Assets | 11.22% | 9.09% | 10.24% | 11.72% | Beats 65% | 90 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 67.10% | 73.24% | 86.34% | 95.95% | 16th pctl | 218 / 258 | |
| Loans / Assets | 59.24% | 63.01% | 72.27% | 78.40% | 18th pctl | 211 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |