| Metric | First Bank of Alabama | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +22.7% | +5.5% | +17.3 pts |
| Deposit growth (YoY) | +19.4% | +5.1% | +14.4 pts |
| Loan growth (YoY) | +15.1% | +5.9% | +9.1 pts |
| ROA | 1.31% | 1.26% | +0.0 pts |
| ROE | 16.4% | 12.2% | +4.3 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.36B | $1.21B | $800.4M | $112.1M | $8.6M | 1.31% | 4.34% | 2.19% |
| Q1 2026 | $1.37B | $1.22B | $806.9M | $106.5M | $4.6M | 1.44% | 4.42% | 1.92% |
| Q4 2025 | $1.20B | $1.08B | $708.8M | $94.5M | $18.7M | 1.64% | 4.10% | 2.15% |
| Q3 2025 | $1.12B | $997.6M | $726.5M | $91.4M | $16.4M | 1.95% | 4.07% | 0.74% |
| Q2 2025 | $1.11B | $1.02B | $695.7M | $79.8M | $7.5M | 1.33% | 4.02% | 0.28% |
| Q1 2025 | $1.12B | $1.03B | $694.2M | $80.6M | $4.5M | 1.60% | 4.04% | 0.78% |
| Q4 2024 | $1.14B | $1.05B | $693.5M | $79.1M | $16.4M | 1.54% | 3.80% | 1.50% |
| Q3 2024 | $1.09B | $996.7M | $688.6M | $80.6M | $14.5M | 1.86% | 3.76% | 1.11% |
Loan mix (Q2 2026): real estate $659.6M · commercial $132.1M · consumer $17.1M · securities $327.0M
| Ratio | First Bank of Alabama | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.31% | 1.26% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 16.4% | 12.2% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.34% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.8% | 59.0% | 59th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | First Bank of Alabama | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | First Bank of Alabama | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | First Bank of Alabama | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | First Bank of Alabama | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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