First Fidelity Bank
Fort Payne, AL · Cert 31479 · Peer group: banks under $1B in assets operating in a single state (n=815-821)
FDIC · 3 branches
Q4 2025
$158.6MAssets
$71.8MLoans
$143.2MDeposits
$15.2MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 118 of 815).
- Widest gap: equity / assets trails 62% of banks under $1B in assets operating in a single state (rank 505 of 821).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
0.97%
Rank 383 of 821
Net Interest Margin
3.26%
Rank 506 of 821
Efficiency Ratio
66.92%
Rank 395 of 821
Equity / Assets
9.58%
Rank 505 of 821
Non-interest income vs. expense
Unfavorable gap of $3.5M · efficiency ratio beats 52% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.97% | 0.60% | 0.92% | 1.29% | Beats 53% | 383 / 821 | |
| Return on Equity | 10.10% | 5.53% | 9.01% | 12.39% | Beats 59% | 339 / 821 | |
| Net Interest Margin | 3.26% | 2.96% | 3.47% | 4.01% | Beats 38% | 506 / 821 | |
| Efficiency Ratio | 66.92% | 58.51% | 67.52% | 77.71% | Beats 52% | 395 / 821 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.07% | 0.39% | 1.09% | Beats 100% | 118 / 815 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 16.24% | 11.57% | 13.96% | 18.25% | Beats 67% | 273 / 821 | |
| Total Risk-Based Capital Ratio | 17.20% | 11.91% | 14.63% | 18.88% | Beats 68% | 263 / 821 | |
| Equity / Assets | 9.58% | 8.73% | 10.33% | 12.96% | Beats 38% | 505 / 821 | |
| Liquidity & Funding |
| Loans / Deposits | 50.14% | 61.85% | 77.93% | 91.10% | 12th pctl | 717 / 815 | |
| Loans / Assets | 45.26% | 53.55% | 66.75% | 76.60% | 13th pctl | 705 / 815 | |
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | 3.16% | Beats 100% | 503 / 821 | |