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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

$0.3M$3.8MINCOMEEXPENSE
Unfavorable gap of $3.5M · efficiency ratio beats 52% of banks under $1B in assets operating in a single state
Bank 66.92%Peer median 67.5%Q2 2024Q4 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.97%0.60%0.92%1.29%Beats 53%383 / 821
Return on Equity10.10%5.53%9.01%12.39%Beats 59%339 / 821
Net Interest Margin3.26%2.96%3.47%4.01%Beats 38%506 / 821
Efficiency Ratio66.92%58.51%67.52%77.71%Beats 52%395 / 821
Asset Quality
Nonperforming Loans / Loans0.00%0.07%0.39%1.09%Beats 100%118 / 815
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio16.24%11.57%13.96%18.25%Beats 67%273 / 821
Total Risk-Based Capital Ratio17.20%11.91%14.63%18.88%Beats 68%263 / 821
Equity / Assets9.58%8.73%10.33%12.96%Beats 38%505 / 821
Liquidity & Funding
Loans / Deposits50.14%61.85%77.93%91.10%12th pctl717 / 815
Loans / Assets45.26%53.55%66.75%76.60%13th pctl705 / 815
Brokered Deposits / Deposits0.00%n/an/a3.16%Beats 100%503 / 821