FIRST BANK OF ALABAMA

TALLADEGA, AL | Large | Est. Jan. 1, 1848, midnight | FDIC #2832 | RSSD #257233 | FDIC
Latest Report: 2025-12-31

FIRST BANK OF ALABAMA is aln large FDIC-insured commercial bank headquartered in TALLADEGA, AL, established in Jan. 1, 1848, midnight. As of 2025-12-31, the bank reported total assets of $1.2B and total deposits of $1.1B. Profitability stands at 0.77% ROA and 9.69% ROE, with a net interest margin of 4.20%. The bank's CET1 capital ratio is 13.95%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 3.32% and a Texas Ratio of 24.39%. FDIC Certificate #2832.

Assets

$1.2B

Deposits

$1.1B

Loans

$718M

Equity

$95M

Profitability

Return on Assets (ROA) 0.77%
Return on Equity (ROE) 9.69%
Net Interest Margin (NIM) 4.20%
Yield on Assets 6.04%
Cost of Funds 1.90%

Asset Quality

NPL Ratio 3.32%
Net Charge-Off Ratio 0.81%
Texas Ratio 24.39%
NPA Ratio 2.11%
ACL / Loans 1.32%

Capital & Liquidity

CET1 Ratio 13.95%
Tier 1 Capital 13.95%
Total Capital Ratio 15.07%
Leverage Ratio 10.58%
Loan-to-Deposit 66.66%

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