First Community Bank of Central Alabama
Wetumpka, AL · Cert 57124 · Peer group: banks under $1B in assets (n=581-629) · Central Alabama Bancshares Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
$694.3MAssets
$505.4MLoans
$638.3MDeposits
$45.9MEquity
Executive Summary
- Strongest standing: return on equity outperforms 98% of banks under $1B in assets (rank 13 of 629).
- Widest gap: equity / assets trails 97% of banks under $1B in assets (rank 608 of 629).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
2.03%
Rank 76 of 629
Net Interest Margin
4.53%
Rank 62 of 629
Efficiency Ratio
47.97%
Rank 55 of 629
Equity / Assets
6.60%
Rank 608 of 629
Non-interest income vs. expense
Unfavorable gap of $12.3M · efficiency ratio beats 91% 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 | 2.03% | 0.60% | 1.01% | 1.45% | Beats 88% | 76 / 629 | | |
| Return on Equity | 30.78% | 5.38% | 9.30% | 13.28% | Beats 98% | 13 / 629 | | |
| Net Interest Margin | 4.53% | 3.03% | 3.54% | 4.05% | Beats 90% | 62 / 629 | | |
| Efficiency Ratio | 47.97% | 58.35% | 67.79% | 79.08% | Beats 91% | 55 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.10% | 0.09% | 0.46% | 1.20% | Beats 73% | 155 / 581 | | |
| Net Charge-Offs / Loans | 0.02% | n/a | 0.01% | 0.06% | Beats 39% | 355 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 10.76% | 11.24% | 13.84% | 18.77% | Beats 18% | 513 / 629 | | |
| Total Risk-Based Capital Ratio | 12.02% | 11.58% | 14.43% | 19.66% | Beats 29% | 446 / 629 | | |
| Equity / Assets | 6.60% | 9.09% | 10.65% | 13.80% | Beats 3% | 608 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 79.18% | 67.24% | 80.90% | 93.48% | 48th pctl | 311 / 594 | | |
| Loans / Assets | 72.80% | 53.31% | 67.71% | 78.15% | 60th pctl | 251 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |