First Cahawba Bank
Selma, AL · Cert 58636 · Peer group: banks under $1B in assets (n=581-629) · 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 47 of 629).
- Widest gap: total risk-based capital ratio trails 84% of banks under $1B in assets (rank 528 of 629).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.10%
Rank 279 of 629
Net Interest Margin
4.69%
Rank 47 of 629
Efficiency Ratio
66.84%
Rank 297 of 629
Equity / Assets
9.02%
Rank 480 of 629
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 56% | 279 / 629 | |
| Return on Equity | 12.24% | 5.38% | 9.30% | 13.28% | Beats 69% | 196 / 629 | |
| Net Interest Margin | 4.69% | 3.03% | 3.54% | 4.05% | Beats 93% | 47 / 629 | |
| Efficiency Ratio | 66.84% | 58.35% | 67.79% | 79.08% | Beats 53% | 297 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.12% | 0.09% | 0.46% | 1.20% | Beats 72% | 161 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 68% | 190 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 10.81% | 11.24% | 13.84% | 18.77% | Beats 19% | 511 / 629 | |
| Total Risk-Based Capital Ratio | 10.81% | 11.58% | 14.43% | 19.66% | Beats 16% | 528 / 629 | |
| Equity / Assets | 9.02% | 9.09% | 10.65% | 13.80% | Beats 24% | 480 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 79.49% | 67.24% | 80.90% | 93.48% | 48th pctl | 307 / 594 | |
| Loans / Assets | 72.11% | 53.31% | 67.71% | 78.15% | 58th pctl | 262 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |