First Bank of Alabama: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at First Bank of Alabama. Based in Talladega, Alabama, it had $1.4 billion in assets at June 30, 2026, up 22.7% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.40% of loans from 0.23% a year earlier. It carries problem assets equal to 27.3% of the capital and reserves that would absorb them, 7.6 times the median of 3.6% for the 895 banks with $1 billion to $10 billion in assets. It also grew deposits 19.4% over the year, 3.8 times the median of 5.1% for banks its size.
The commercial and industrial book ($132 million) is worsening: 5.56% of it is past due or on nonaccrual, up from 1.04% a year earlier. The non-owner-occupied commercial real estate book ($260 million) is worsening: 6.61% of it is past due or on nonaccrual, up from 2.68% a year earlier.
As of June 30, 2026, First Bank of Alabama reported a CET1 capital ratio of 13.37%, a return on assets of 1.16%, a nonperforming-loan ratio of 2.84% and a Texas ratio of 27.30%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 120 North St E, Talladega, AL 35160
- County
- Talladega
- Metro Area
- Talladega-Sylacauga, AL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1848
- Former names
- The First National Bank of Talladega (1978-2015)
- Offices
- 18 domestic
- Employees (FTE)
- 183
- Domestic deposits
- $1.21B
- Allowance for credit losses
- $9.3M
- Net charge-offs (YTD)
- $1.3M
- Average total assets
- $1.37B
- Average total loans
- $817.9M
- Average interest-bearing deposits
- $1.03B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2832
- Fed RSSD
- 257233
- Website
- fbal.bank →
- Parent Holding Company
- FIRSTBANC OF ALABAMA, INC. (RSSD 1135356)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First Bank of Alabama terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First Bank of Alabama, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
First Bank of Alabama rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.37% | 1.16% | 2.84% | 27.30% | 3.96% |
| Q1 2026 | 12.45% | 1.49% | 3.08% | 24.84% | 4.50% |
| Q4 2025 | 13.95% | 0.77% | 3.46% | 26.59% | 4.09% |
| Q3 2025 | 13.67% | 3.24% | 0.98% | 8.86% | 4.00% |
| Q2 2025 | 13.42% | 1.07% | 0.22% | 3.89% | 3.86% |
| Q1 2025 | 13.23% | 1.61% | 1.21% | 10.66% | 3.88% |
| Q4 2024 | 12.83% | 0.66% | 2.62% | 20.68% | 3.75% |
| Q3 2024 | 13.07% | 2.68% | 1.93% | 14.55% | 3.48% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 18 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Bank of Alabama (main office) | Talladega , AL | 35160 | $504.0M |
| First Fidelity Branch | Fort Payne , AL | 35967 | $102.6M |
| Bank of Wedowee Branch | Wedowee , AL | 36278 | $99.8M |
| Oxford Branch | Oxford , AL | 36203 | $79.7M |
| Sylacauga Branch | Sylacauga , AL | 35150 | $70.4M |
| 102 5th Street North Branch | Clanton , AL | 35045 | $62.1M |
| Ranburne Branch | Ranburne , AL | 36273 | $55.5M |
| Roanoke Branch | Roanoke , AL | 36274 | $42.3M |
| Lincoln Branch | Lincoln , AL | 35096 | $41.7M |
| Heflin Branch | Heflin , AL | 36264 | $30.7M |
| Woodland Branch | Woodland , AL | 36280 | $28.9M |
| Munford Branch | Munford , AL | 36268 | $25.7M |
| Ashland | Ashland , AL | 36251 | $20.7M |
| 10838 Alabama Hwy. 75 Branch | Ider , AL | 35981 | $19.3M |
| Anniston Branch | Anniston , AL | 36201 | $13.9M |
| Main Street West Branch | Rainsville , AL | 35986 | $10.9M |
| Childersburg Branch | Childersburg , AL | 35044 | $4.8M |
| Jacksonville Branch | Jacksonville , AL | 36265 | $881K |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 21, 2026 | Structure Change | Acquired First Fidelity Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 20, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 16, 2021 | Structure Change | Acquired SouthFirst Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 15, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2017 | Structure Change | Acquired Bank of Wedowee Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
What the public regulatory sources show for First Bank of Alabama, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 2 against the institution (OCC)
- March 16, 2012, OCC: Formal Agreement: The First National Bank of Talladega
- July 27, 2010, OCC: Civil Money Penalty (CMP): The First National Bank of Talladega
- Period: Most recent institution action March 16, 2012. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.8% of deposits in AL, rank 24 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 217 applications, 175 loans originated, $50.7M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $2.0M approved, $988K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First Bank of Alabama
What are First Bank of Alabama's total assets?
As of the Q2 2026 filing, First Bank of Alabama reported total assets of $1.36 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Bank of Alabama headquartered?
First Bank of Alabama is headquartered in Talladega, AL, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was First Bank of Alabama founded?
First Bank of Alabama was established in 1848, per the FDIC institution directory.
Is First Bank of Alabama FDIC-insured?
Yes. First Bank of Alabama is an FDIC-insured commercial bank (FDIC Certificate #2832). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Bank of Alabama?
First Bank of Alabama's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Bank of Alabama's CET1 capital ratio?
First Bank of Alabama reported a Common Equity Tier 1 (CET1) capital ratio of 13.37% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Bank of Alabama operate?
First Bank of Alabama operates 18 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Bank of Alabama's Texas Ratio?
First Bank of Alabama's Texas Ratio is 27.30% in its Q2 2026 call report, between 25% and 50%, below the 50% level at which problem assets reach half of the capital cushion. The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was First Bank of Alabama previously called?
The charter now named First Bank of Alabama has also operated as The First National Bank of Talladega (1978-2015), per FDIC structure-change records.
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