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First Cahawba Bank
Selma, AL · FDIC Certificate #58636 · Chartered 09/1
Total assets
$205.74M
Total deposits
$186.64M
Total equity
$18.56M
Net loans
$146.80M
Branches (offices)
5
Net income (YTD)
$1.14M
Rank: #2,943 of 4,213 U.S. banks by assets · #62 of 93 in Alabama. Assets changed 2.2% and deposits 0.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.13% |
| Return on equity | 12.67% |
| Net interest margin (YTD) | 4.96% |
| Equity to assets | 9.02% |
| Tier 1 leverage ratio | 10.81% |
| Uninsured deposits (share of deposits) | 33.0% |
| Noncurrent loans (share of loans) | 0.12% |
| Net charge-offs (share of loans) | -0.05% |
| Loans to deposits | 78.7% |
| Real estate loans (share of loans) | 80.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $118.00M | 80.4% | |
| Commercial & industrial | $26.93M | 18.3% | |
| Consumer / individual | $3.29M | 2.2% | |
| Construction & development | $13.88M | 9.5% | |
| Agricultural | $139.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $190.78M | $179.82M | $367.00K | $10.73M |
| Jun 2023 | $192.29M | $180.63M | $696.00K | $11.37M |
| Jun 2024 | $178.32M | $164.34M | $908.00K | $13.44M |
| Jun 2025 | $201.39M | $184.92M | $1.17M | $15.79M |
| Jun 2026 | $205.74M | $186.64M | $1.14M | $18.56M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $186.64M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $186.64M.
Similar-sized banks
Legacy State Bank ($205.85M) · Commonwealth Co-Operative Bank ($205.00M)
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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