First Bank of Boaz
Boaz, AL · Cert 2784 · Peer group: banks under $1B in assets (n=581-629) · First Boaz Bcorp
State charter, non-member · FDIC · 1 branch
Q2 2026
$239.8MAssets
$70.1MLoans
$208.0MDeposits
$29.0MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 80% of banks under $1B in assets (rank 117 of 581).
- Widest gap: net interest margin trails 93% of banks under $1B in assets (rank 587 of 629).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
0.85%
Rank 395 of 629
Net Interest Margin
2.30%
Rank 587 of 629
Efficiency Ratio
62.09%
Rank 213 of 629
Equity / Assets
12.07%
Rank 224 of 629
Non-interest income vs. expense
Unfavorable gap of $3.6M · efficiency ratio beats 66% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.85% | 0.60% | 1.01% | 1.45% | Beats 37% | 395 / 629 | |
| Return on Equity | 7.02% | 5.38% | 9.30% | 13.28% | Beats 33% | 423 / 629 | |
| Net Interest Margin | 2.30% | 3.03% | 3.54% | 4.05% | Beats 7% | 587 / 629 | |
| Efficiency Ratio | 62.09% | 58.35% | 67.79% | 79.08% | Beats 66% | 213 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.05% | 0.09% | 0.46% | 1.20% | Beats 80% | 117 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 67% | 195 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 19.66% | 11.24% | 13.84% | 18.77% | Beats 77% | 143 / 629 | |
| Total Risk-Based Capital Ratio | 19.66% | 11.58% | 14.43% | 19.66% | Beats 75% | 158 / 629 | |
| Equity / Assets | 12.07% | 9.09% | 10.65% | 13.80% | Beats 64% | 224 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 33.72% | 67.24% | 80.90% | 93.48% | 4th pctl | 568 / 594 | |
| Loans / Assets | 29.24% | 53.31% | 67.71% | 78.15% | 11th pctl | 562 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |