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First National Bank
Hamilton, AL · FDIC Certificate #22271 · Chartered 05/0
Total assets
$372.70M
Total deposits
$305.50M
Total equity
$66.30M
Net loans
$144.67M
Branches (offices)
5
Net income (YTD)
$4.68M
Rank: #2,166 of 4,213 U.S. banks by assets · #41 of 93 in Alabama. Assets changed 4.2% and deposits 2.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.51% |
| Return on equity | 14.16% |
| Net interest margin (YTD) | 4.66% |
| Equity to assets | 17.79% |
| Tier 1 leverage ratio | 18.99% |
| Uninsured deposits (share of deposits) | 21.9% |
| Noncurrent loans (share of loans) | 0.25% |
| Net charge-offs (share of loans) | 0.30% |
| Loans to deposits | 47.4% |
| Real estate loans (share of loans) | 62.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $90.80M | 62.8% | |
| Commercial & industrial | $22.82M | 15.8% | |
| Consumer / individual | $24.03M | 16.6% | |
| Construction & development | $8.97M | 6.2% | |
| Agricultural | $43.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $388.90M | $344.71M | $2.10M | $43.94M |
| Jun 2023 | $377.50M | $331.65M | $4.85M | $45.58M |
| Jun 2024 | $350.53M | $297.56M | $4.62M | $52.50M |
| Jun 2025 | $357.73M | $297.87M | $4.04M | $59.06M |
| Jun 2026 | $372.70M | $305.50M | $4.68M | $66.30M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $305.50M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $305.50M.
Similar-sized banks
Piscataqua Savings Bank ($373.35M) · First State Bank ($371.88M)
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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