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First Bank of Alabama

$1B-$10B Specialty: Commercial AL FDIC cert 2832

Designations: ✓ Community bank

Talladega, AL

17 branches across AL

884 banks in the $1B-$10B peer group nationally 15 in AL
View $1B-$10B leaderboard (AL) →

First Bank of Alabama has 3 strengths but faces 2 concerns

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

  • + ROA 0.07% above tier average
  • + Net Interest Margin 0.60% above tier average
  • + Efficiency Ratio 2.74% below tier average

Key Concerns

Areas that may need attention

  • - Delinquency Rate 2.08% above tier average
  • - Nonperforming Asset Ratio 1.24% above tier average
Get updates when First Bank of Alabama releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Total Assets ? $1.4B
+22.1% YoY +13.8% QoQ
-$1.4B $2.8B
-0.1% YoY
$2.5B
+0.2% YoY
$6.2B
+9.1% YoY
27%
Total Loans ? $806.9M
+16.2% YoY +13.8% QoQ
-$1.2B $2.0B
+0.6% YoY
$1.5B
+2.4% YoY
$3.2B
+10.8% YoY
15%
Total Deposits ? $1.2B
+19.3% YoY +13.7% QoQ
-$1.1B $2.3B
-0.3% YoY
$2.1B
-0.2% YoY
$4.8B
+8.2% YoY
33%
Return on Assets ? 1.44%
-9.8% YoY -12.3% QoQ
+0.07% 1.37%
+19.6% YoY
0.78%
-19.5% YoY
1.23%
+13.4% YoY
67%
Net Interest Margin ? 4.42%
+9.3% YoY +7.8% QoQ
+0.60% 3.82%
+6.9% YoY
3.99%
+5.2% YoY
3.89%
+5.7% YoY
Top 14.1% in tier
Efficiency Ratio ? 58.32%
+8.8% YoY +21.8% QoQ
-2.74% 61.06%
-4.6% YoY
72.13%
+5.1% YoY
66.95%
-4.1% YoY
54%
Delinquency Rate ? 2.97%
+138.8% YoY -13.4% QoQ
+2.08% 0.89%
+14.1% YoY
1.09%
+24.8% YoY
0.95%
+18.8% YoY
Bottom 4.3% in tier
Loan-to-Deposit Ratio ? 65.88%
-2.6% YoY +0.1% QoQ
-18.33% 84.20%
+0.3% YoY
67.08%
+2.0% YoY
76.70%
+0.9% YoY
Top 13.3% in tier
Non-Interest-Bearing Deposit Share ? 16.00%
+123.6% YoY -12.2% QoQ
-5.29% 21.29%
-2.5% YoY
23.89%
+0.0% YoY
22.01%
-1.2% YoY
32%
Nonperforming Asset Ratio ? 1.91%
+146.9% YoY -10.7% QoQ
+1.24% 0.67%
+15.6% YoY
0.71%
+24.8% YoY
0.67%
+19.3% YoY
Bottom 6.9% in tier
Tier 1 Capital Ratio ? 12.45%
-5.9% YoY -10.7% QoQ
-2.71% 15.16%
+2.0% YoY
16.96%
+13.8% YoY
17.06%
+0.8% YoY
40%
Non-Interest Income / Assets ? 0.11%
-36.5% YoY -92.2% QoQ
-0.14% 0.26%
+1.6% YoY
0.16%
-16.3% YoY
0.32%
+4.1% YoY
38%

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 (0)

No matched strength signatures this quarter

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 884 peers in $1B-$10B

Top Strengths (2 metrics)

119
Loan-to-Deposit Ratio
liquidity
Value: 65.88%
Peer Median: 84.20%
#119 of 884 Top 13.3% in $1B-$10B
126
Net Interest Margin
profitability
Value: 4.42%
Peer Median: 3.82%
#126 of 884 Top 14.1% in $1B-$10B

Top Weaknesses (3 metrics)

843
Delinquency Rate
credit_quality
Value: 2.97%
Peer Median: 0.89%
#843 of 880 Bottom 4.3% in $1B-$10B
824
Nonperforming Asset Ratio
credit_quality
Value: 1.91%
Peer Median: 0.67%
#824 of 884 Bottom 6.9% in $1B-$10B
748
Total Loans
size
Value: $806.94M
Peer Median: $1.96B
#748 of 884 Bottom 15.5% in $1B-$10B
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