AMERIFIRST BANK

MONTGOMERY, AL | Small | Est. Jan. 2, 1916, midnight | FDIC #2838 | RSSD #139133 | FDIC
Latest Report: 2025-12-31

AMERIFIRST BANK is asn small FDIC-insured commercial bank headquartered in MONTGOMERY, AL, established in Jan. 2, 1916, midnight. As of 2025-12-31, the bank reported total assets of $357M and total deposits of $320M. Profitability stands at 1.10% ROA and 11.99% ROE, with a net interest margin of 4.56%. The bank's CET1 capital ratio is 11.33%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.14% and a Texas Ratio of 5.20%. FDIC Certificate #2838.

Assets

$357M

Deposits

$320M

Loans

$276M

Equity

$33M

Profitability

Return on Assets (ROA) 1.10%
Return on Equity (ROE) 11.99%
Net Interest Margin (NIM) 4.56%
Yield on Assets 6.29%
Cost of Funds 1.78%

Asset Quality

NPL Ratio 0.14%
Net Charge-Off Ratio 0.19%
Texas Ratio 5.20%
NPA Ratio 0.52%
ACL / Loans 1.14%

Capital & Liquidity

CET1 Ratio 11.33%
Tier 1 Capital 11.33%
Total Capital Ratio 12.43%
Leverage Ratio 9.04%
Loan-to-Deposit 86.46%

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