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First Community Bank of Central Alabama

$100M-$1B Specialty: Commercial AL FDIC cert 57124

Wetumpka, AL

9 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 +4.5% year over year ($638.3M on the books).
  • Delinquency rate 0.10%.
  • Return on assets 2.44%.
  • Efficiency ratio 47.97% vs a 64.48% peer average.
  • Loan-to-deposit ratio 77.71% 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 Community Bank of Central Alabama shows strong momentum with 5 strengths and 5.6% YoY asset growth

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 26.2% in tier
  • + Profitability Leader: Top 30.1% in tier
  • + Net Interest Margin 0.84% above tier average
  • + Efficiency Ratio 16.51% below tier average
  • + Delinquency Rate 0.82% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when First Community Bank of Central Alabama releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Total Assets ? $694.3M
+5.6% YoY -0.5% QoQ
+$307.7M $386.6M
+1.2% YoY
$2.5B
+1.5% YoY
$6.3B
+7.7% YoY
Top 12.6% in tier
Total Loans ? $496.0M
+13.2% YoY +3.5% QoQ
+$237.7M $258.3M
+1.7% YoY
$1.6B
+2.8% YoY
$3.2B
+9.4% YoY
Top 11.7% in tier
Total Deposits ? $638.3M
+4.5% YoY -0.9% QoQ
+$311.6M $326.7M
+0.7% YoY
$2.1B
+0.3% YoY
$4.9B
+7.3% YoY
Top 10.2% in tier
Return on Assets ? 2.44%
+6.8% YoY -0.5% QoQ
+1.12% 1.32%
+10.8% YoY
0.89%
-13.0% YoY
1.30%
+12.1% YoY
Top 5.2% in tier
Net Interest Margin ? 4.83%
+3.5% YoY -1.0% QoQ
+0.84% 3.99%
+5.0% YoY
4.02%
+3.4% YoY
3.95%
+4.9% YoY
Top 11.2% in tier
Efficiency Ratio ? 47.97%
-0.5% YoY -0.1% QoQ
-16.51% 64.48%
-3.2% YoY
69.53%
+4.0% YoY
70.05%
+2.5% YoY
Top 12.9% in tier
Delinquency Rate ? 0.10%
-63.9% YoY -42.9% QoQ
-0.82% 0.92%
+15.7% YoY
1.13%
+25.5% YoY
0.98%
+16.3% YoY
74%
Loan-to-Deposit Ratio ? 77.71%
+8.4% YoY +4.5% QoQ
-0.24% 77.95%
+1.0% YoY
67.62%
+0.9% YoY
79.03%
+2.3% YoY
54%
Non-Interest-Bearing Deposit Share ? 25.70%
-0.1% YoY +0.6% QoQ
+3.67% 22.03%
-0.6% YoY
24.04%
+0.1% YoY
21.98%
-0.6% YoY
68%
Nonperforming Asset Ratio ? 0.14%
-31.3% YoY -53.7% QoQ
-0.53% 0.67%
+16.4% YoY
0.74%
+25.2% YoY
0.69%
+15.8% YoY
67%
Tier 1 Capital Ratio ? 10.76%
+1.2% YoY +2.5% QoQ
-5.15% 15.91%
+1.4% YoY
15.01%
+1.3% YoY
17.09%
+0.8% YoY
20%
Non-Interest Income / Assets ? 0.40%
+16.7% YoY +94.6% QoQ
-0.17% 0.57%
+7.6% YoY
0.35%
-14.4% YoY
0.66%
+5.2% YoY
Top 14.8% 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 25.7%
0.0pp YoY
+0.1pp QoQ
 +3.6pp 22.1% 24.0% 22.2% 68%
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 11.8%
+1.7pp YoY
+0.7pp QoQ
 +0.3pp 11.6% 16.9% 12.5% 62%
CRE 51.7%
-0.8pp YoY
+0.2pp QoQ
 +12.2pp 39.5% 43.5% 41.4% 73%
1-4 Family 29.3%
+1.6pp YoY
-0.5pp QoQ
 -3.3pp 32.6% 30.6% 31.3% 50%
Consumer 4.4%
-0.6pp YoY
+0.1pp QoQ
 +0.3pp 4.1% 5.7% 5.0% 74%

Capital

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
CET1 Ratio 10.8%
+0.1pp YoY
+0.3pp QoQ
 -8.1pp 18.8% 15.1% 19.7% 6%
Leverage Ratio 8.6%
+0.1pp YoY
+0.1pp QoQ
 -3.6pp 12.2% 13.2% 12.6% 7%
Total Capital Ratio 12.0%
+0.1pp YoY
+0.3pp QoQ
 -7.9pp 19.9% 16.2% 20.8% 7%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Full-Time Employees 106
+7 (+7.1%) YoY
+2 (+1.9%) QoQ
 +47 58 304 482 89%
Assets per Employee ($) $6.5M
-1.3% YoY
-2.4% QoQ
 -$968K $7.5M $6.9M $8.8M 44%
Branch Count 9
+1 (+12.5%) YoY
0 QoQ
 +4 4 20 18 86%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
-0.1pp QoQ
 -0.3pp 0.3% 0.2% 0.4% 22%
Nonaccrual 0.1%
-0.2pp YoY
0.0pp QoQ
 -0.9pp 0.9% 1.2% 1.0% 16%
Allowance Coverage 18.71x
+182.7% YoY
+72.5% QoQ
 -5.44x 24.15x 7.50x 20.23x 88%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
 -0.1pp 0.1% 0.3% 0.2% 54%

Profitability

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
ROE 37.9%
-2.7pp YoY
-0.7pp QoQ
 +25.7pp 12.2% 10.0% 11.6% 99%
Cost of Funds (YTD) 1.4%
+0.1pp YoY
+0.1pp QoQ
 -0.3pp 1.7% 1.7% 1.7% 30%
Net Income ($, YTD) $8.4M
+13.2% YoY
— QoQ
 +$5.9M $2.6M $17.2M $40.4M 98%

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 (2)

Revenue Diversifier

growth
#174 of 661 • Top 26.2% 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: 0.40%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 2.44%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Profitability Leader

growth
#200 of 661 • Top 30.1% in tier

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

Why this signature
Return on Assets: 2.44%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | 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)

139
Return on Assets
profitability
Value: 2.44%
Peer Median: 1.32%
#139 of 2643 Top 5.2% in $100M-$1B
270
Total Deposits
size
Value: $638.31M
Peer Median: $326.73M
#270 of 2643 Top 10.2% in $100M-$1B
298
Net Interest Margin
profitability
Value: 4.83%
Peer Median: 3.99%
#298 of 2643 Top 11.2% in $100M-$1B
309
Total Loans
size
Value: $496.05M
Peer Median: $258.35M
#309 of 2643 Top 11.7% in $100M-$1B
333
Total Assets
size
Value: $694.30M
Peer Median: $386.57M
#333 of 2643 Top 12.6% in $100M-$1B
342
Efficiency Ratio
profitability
Value: 47.97%
Peer Median: 64.48%
#342 of 2643 Top 12.9% in $100M-$1B
391
Non-Interest Income / Assets
revenue_mix
Value: 0.40%
Peer Median: 0.57%
#391 of 2643 Top 14.8% in $100M-$1B

Top Weaknesses (1 metrics)

2117
Tier 1 Capital Ratio
capital
Value: 10.76%
Peer Median: 15.91%
#2117 of 2643 Bottom 19.9% in $100M-$1B
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