First Bank of Boaz
Boaz, AL · Cert 2784 · Peer group: banks under $1B in assets (n=570-617) · 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 115 of 570).
- Widest gap: net interest margin trails 93% of banks under $1B in assets (rank 576 of 617).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
0.85%
Rank 384 of 617
Net Interest Margin
2.30%
Rank 576 of 617
Efficiency Ratio
62.09%
Rank 213 of 617
Equity / Assets
12.07%
Rank 219 of 617
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.85% | 0.60% | 1.01% | 1.45% | Beats 38% | 384 / 617 | | |
| Return on Equity | 7.02% | 5.30% | 9.43% | 13.30% | Beats 33% | 416 / 617 | | |
| Net Interest Margin | 2.30% | 3.04% | 3.54% | 4.05% | Beats 7% | 576 / 617 | | |
| Efficiency Ratio | 62.09% | 58.03% | 67.76% | 79.08% | Beats 66% | 213 / 617 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.05% | 0.09% | 0.47% | 1.27% | Beats 80% | 115 / 570 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 67% | 192 / 570 | n/a | |
| Capital |
| Tier 1 Capital Ratio | 19.66% | 11.18% | 13.83% | 18.55% | Beats 77% | 139 / 617 | | |
| Total Risk-Based Capital Ratio | 19.66% | 11.56% | 14.39% | 19.39% | Beats 75% | 153 / 617 | | |
| Equity / Assets | 12.07% | 9.03% | 10.55% | 13.63% | Beats 65% | 219 / 617 | | |
| Liquidity & Funding |
| Loans / Deposits | 33.72% | 64.77% | 79.70% | 93.06% | 5th pctl | 554 / 582 | | |
| Loans / Assets | 29.24% | 51.70% | 67.18% | 77.51% | 11th pctl | 548 / 617 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |