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First National Bank

$100M-$1B Specialty: Other AL FDIC cert 22271

Hamilton, AL

5 branches across AL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 63 in AL.
  • Deposits +2.6% year over year ($305.5M on the books).
  • Delinquency rate 0.26%.
  • Return on assets 2.51%.
  • Efficiency ratio 46.37% vs a 64.48% peer average.
  • Loan-to-deposit ratio 47.36% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 63 in AL
View $100M-$1B leaderboard (AL) →

First National Bank demonstrates 5 strengths

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 19.2% in tier
  • + Profitability Leader: Top 21.8% in tier
  • + Deposit Franchise: Top 45.7% in tier
  • + Efficiency Ratio 18.11% below tier average
  • + Delinquency Rate 0.66% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when First National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Total Assets ? $372.7M
+4.2% YoY -0.1% QoQ
-$13.9M $386.6M
+1.2% YoY
$2.5B
+1.5% YoY
$6.3B
+7.7% YoY
57%
Total Loans ? $144.7M
-5.7% YoY -1.5% QoQ
-$113.7M $258.3M
+1.7% YoY
$1.6B
+2.8% YoY
$3.2B
+9.4% YoY
33%
Total Deposits ? $305.5M
+2.6% YoY -0.3% QoQ
-$21.2M $326.7M
+0.7% YoY
$2.1B
+0.3% YoY
$4.9B
+7.3% YoY
56%
Return on Assets ? 2.51%
+12.0% YoY +15.0% QoQ
+1.19% 1.32%
+10.8% YoY
0.89%
-13.0% YoY
1.30%
+12.1% YoY
Top 4.7% in tier
Net Interest Margin ? 4.66%
-2.6% YoY +2.1% QoQ
+0.68% 3.99%
+5.0% YoY
4.02%
+3.4% YoY
3.95%
+4.9% YoY
85%
Efficiency Ratio ? 46.37%
-11.4% YoY -7.1% QoQ
-18.11% 64.48%
-3.2% YoY
69.53%
+4.0% YoY
70.05%
+2.5% YoY
Top 10.7% in tier
Delinquency Rate ? 0.26%
-30.2% YoY +20.6% QoQ
-0.66% 0.92%
+15.7% YoY
1.13%
+25.5% YoY
0.98%
+16.3% YoY
61%
Loan-to-Deposit Ratio ? 47.36%
-8.1% YoY -1.2% QoQ
-30.60% 77.95%
+1.0% YoY
67.62%
+0.9% YoY
79.03%
+2.3% YoY
Top 7.0% in tier
Non-Interest-Bearing Deposit Share ? 38.30%
-0.4% YoY -2.2% QoQ
+16.27% 22.03%
-0.6% YoY
24.04%
+0.1% YoY
21.98%
-0.6% YoY
Top 6.0% in tier
Nonperforming Asset Ratio ? 0.14%
-14.8% YoY +62.1% QoQ
-0.53% 0.67%
+16.4% YoY
0.74%
+25.2% YoY
0.69%
+15.8% YoY
67%
Tier 1 Capital Ratio ? 18.99%
+4.7% YoY -0.4% QoQ
+3.08% 15.91%
+1.4% YoY
15.01%
+1.3% YoY
17.09%
+0.8% YoY
84%
Non-Interest Income / Assets ? 0.48%
+8.6% YoY +120.4% QoQ
-0.09% 0.57%
+7.6% YoY
0.35%
-14.4% YoY
0.66%
+5.2% YoY
Top 10.3% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Noninterest-Bearing 38.3%
-0.2pp YoY
-0.9pp QoQ
 +16.2pp 22.1% 24.0% 22.2% 94%
Brokered Deposits n/a n/a 7.9% 5.5% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
C&I 15.8%
-4.1pp YoY
+0.9pp QoQ
 +4.2pp 11.6% 16.9% 12.5% 79%
CRE 28.9%
+3.8pp YoY
+1.1pp QoQ
 -10.6pp 39.5% 43.5% 41.4% 33%
1-4 Family 33.5%
+2.2pp YoY
+0.5pp QoQ
 +0.9pp 32.6% 30.6% 31.3% 58%
Consumer 16.6%
-1.2pp YoY
-0.4pp QoQ
 +12.5pp 4.1% 5.7% 5.0% 97%

Capital

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.1% 19.7% n/a
Leverage Ratio 19.0%
+0.9pp YoY
-0.1pp QoQ
 +6.8pp 12.2% 13.2% 12.6% 96%
Total Capital Ratio n/a n/a 19.9% 16.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Full-Time Employees 82
-5 (-5.7%) YoY
-4 (-4.7%) QoQ
 +23 58 304 482 78%
Assets per Employee ($) $4.5M
+10.5% YoY
+4.8% QoQ
 -$3.0M $7.5M $6.9M $8.8M 9%
Branch Count 5
0 YoY
0 QoQ
 0 4 20 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 0.3%
-0.1pp YoY
+0.1pp QoQ
 -0.7pp 0.9% 1.2% 1.0% 34%
Allowance Coverage 5.81x
+66.3% YoY
-13.3% QoQ
 -18.34x 24.15x 7.50x 20.23x 73%
Net Charge-off Rate (YTD) 0.3%
0.0pp YoY
-0.2pp QoQ
 +0.1pp 0.1% 0.3% 0.2% 90%

Profitability

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
ROE 14.2%
+0.2pp YoY
+1.8pp QoQ
 +2.0pp 12.2% 10.0% 11.6% 63%
Cost of Funds (YTD) 0.7%
0.0pp YoY
0.0pp QoQ
 -1.1pp 1.7% 1.7% 1.7% 3%
Net Income ($, YTD) $4.7M
+15.9% YoY
— QoQ
 +$2.1M $2.6M $17.2M $40.4M 85%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (3)

Revenue Diversifier

growth
#128 of 661 • Top 19.2% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.48%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 2.51%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Profitability Leader

growth
#145 of 661 • Top 21.8% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.51%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Deposit Franchise

growth
#128 of 278 • Top 45.7% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 38.30%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.66%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (7 metrics)

124
Return on Assets
profitability
Value: 2.51%
Peer Median: 1.32%
#124 of 2643 Top 4.7% in $100M-$1B
159
Non-Interest-Bearing Deposit Share
funding
Value: 38.30%
Peer Median: 22.03%
#159 of 2643 Top 6.0% in $100M-$1B
187
Loan-to-Deposit Ratio
liquidity
Value: 47.36%
Peer Median: 77.95%
#187 of 2643 Top 7.0% in $100M-$1B
272
Non-Interest Income / Assets
revenue_mix
Value: 0.48%
Peer Median: 0.57%
#272 of 2643 Top 10.3% in $100M-$1B
285
Efficiency Ratio
profitability
Value: 46.37%
Peer Median: 64.48%
#285 of 2643 Top 10.7% in $100M-$1B
409
Net Interest Margin
profitability
Value: 4.66%
Peer Median: 3.99%
#409 of 2643 Top 15.4% in $100M-$1B
425
Tier 1 Capital Ratio
capital
Value: 18.99%
Peer Median: 15.91%
#425 of 2643 Top 16.0% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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