First Bank of Alabama
Talladega, AL · Cert 2832 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Firstbanc of Alabama Inc.
State charter, non-member · FDIC · 18 branches
Q2 2026
$1.4BAssets
$809.8MLoans
$1.2BDeposits
$112.1MEquity
Executive Summary
- Strongest standing: return on equity outperforms 78% of banks $1B-$10B in assets operating in a single state (rank 57 of 258).
- Widest gap: nonperforming loans / loans trails 97% of banks $1B-$10B in assets operating in a single state (rank 250 of 258).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.26%
Rank 121 of 258
Net Interest Margin
3.76%
Rank 80 of 258
Efficiency Ratio
62.62%
Rank 157 of 257
Equity / Assets
8.23%
Rank 232 of 258
Non-interest income vs. expense
Unfavorable gap of $29.4M · efficiency ratio beats 39% 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 | 1.26% | 0.93% | 1.23% | 1.54% | Beats 53% | 121 / 258 | |
| Return on Equity | 15.32% | 9.26% | 11.84% | 14.74% | Beats 78% | 57 / 258 | |
| Net Interest Margin | 3.76% | 3.16% | 3.49% | 3.88% | Beats 69% | 80 / 258 | |
| Efficiency Ratio | 62.62% | 51.71% | 60.30% | 69.65% | Beats 39% | 157 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.40% | 0.19% | 0.46% | 0.90% | Beats 3% | 250 / 258 | |
| Net Charge-Offs / Loans | 0.21% | 0.01% | 0.02% | 0.07% | Beats 10% | 233 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 13.37% | 11.41% | 12.98% | 15.12% | Beats 54% | 119 / 258 | |
| Total Risk-Based Capital Ratio | 14.35% | 12.10% | 13.91% | 16.08% | Beats 55% | 117 / 258 | |
| Equity / Assets | 8.23% | 9.09% | 10.24% | 11.72% | Beats 10% | 232 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 66.71% | 73.24% | 86.34% | 95.95% | 14th pctl | 221 / 258 | |
| Loans / Assets | 59.45% | 63.01% | 72.27% | 78.40% | 19th pctl | 210 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |