First Cahawba Bank
Selma, AL · Cert 58636 · Peer group: banks under $1B in assets (n=570-617) · First Cahawba Bancshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
$205.7MAssets
$148.4MLoans
$186.6MDeposits
$18.6MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 93% of banks under $1B in assets (rank 45 of 617).
- Widest gap: total risk-based capital ratio trails 83% of banks under $1B in assets (rank 514 of 617).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.10%
Rank 276 of 617
Net Interest Margin
4.69%
Rank 45 of 617
Efficiency Ratio
66.84%
Rank 291 of 617
Equity / Assets
9.02%
Rank 466 of 617
Non-interest income vs. expense
Unfavorable gap of $6.2M · efficiency ratio beats 53% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.10% | 0.60% | 1.01% | 1.45% | Beats 55% | 276 / 617 | |
| Return on Equity | 12.24% | 5.30% | 9.43% | 13.30% | Beats 68% | 195 / 617 | |
| Net Interest Margin | 4.69% | 3.04% | 3.54% | 4.05% | Beats 93% | 45 / 617 | |
| Efficiency Ratio | 66.84% | 58.03% | 67.76% | 79.08% | Beats 53% | 291 / 617 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.12% | 0.09% | 0.47% | 1.27% | Beats 73% | 156 / 570 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 68% | 189 / 570 | |
| Capital |
| Tier 1 Capital Ratio | 10.81% | 11.18% | 13.83% | 18.55% | Beats 19% | 497 / 617 | |
| Total Risk-Based Capital Ratio | 10.81% | 11.56% | 14.39% | 19.39% | Beats 17% | 514 / 617 | |
| Equity / Assets | 9.02% | 9.03% | 10.55% | 13.63% | Beats 24% | 466 / 617 | |
| Liquidity & Funding |
| Loans / Deposits | 79.49% | 64.77% | 79.70% | 93.06% | 50th pctl | 293 / 582 | |
| Loans / Assets | 72.11% | 51.70% | 67.18% | 77.51% | 59th pctl | 251 / 617 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |