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First Bank Of Alabama
Talladega, AL · FDIC Certificate #2832 · Chartered 01/0
Total assets
$1.36B
Total deposits
$1.21B
Total equity
$112.11M
Net loans
$800.43M
Branches (offices)
18
Net income (YTD)
$8.59M
Rank: #810 of 4,213 U.S. banks by assets · #11 of 93 in Alabama. Assets changed 22.7% and deposits 19.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.31% |
| Return on equity | 16.45% |
| Net interest margin (YTD) | 4.34% |
| Equity to assets | 8.23% |
| Tier 1 leverage ratio | 9.82% |
| Uninsured deposits (share of deposits) | 34.8% |
| Noncurrent loans (share of loans) | 3.40% |
| Net charge-offs (share of loans) | 0.34% |
| Loans to deposits | 65.9% |
| Real estate loans (share of loans) | 82.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $659.62M | 82.4% | |
| Commercial & industrial | $132.09M | 16.5% | |
| Consumer / individual | $17.08M | 2.1% | |
| Construction & development | $62.73M | 7.8% | |
| Agricultural | $1.59M | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $855.90M | $788.91M | $6.10M | $61.32M |
| Jun 2023 | $1.02B | $953.12M | $9.60M | $63.85M |
| Jun 2024 | $1.06B | $980.09M | $7.25M | $75.05M |
| Jun 2025 | $1.11B | $1.02B | $7.48M | $79.83M |
| Jun 2026 | $1.36B | $1.21B | $8.59M | $112.11M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $1.21B | 18 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.21B.
Similar-sized banks
Fm Bank And Trust ($1.36B) · Southpoint Bank ($1.36B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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