BanksFIRST NATIONAL BANK

FIRST NATIONAL BANK

HAMILTON, ALSmallEst. May 6, 1976, midnightFDIC #22271RSSD #330239OCC
Latest · 2025-12-31

FIRST NATIONAL BANK is an FDIC-insured commercial bank headquartered in HAMILTON, AL, established in May 6, 1976, midnight. As of 2025-12-31, the bank reported total assets of $370M and total deposits of $303M. Profitability stands at 2.45% ROA and 13.83% ROE, with a net interest margin of 4.88%. CET1 capital ratio: 17.91%, well above regulatory minimums. NPL ratio: 0.23% · Texas Ratio: 0.52%. Operates 5 domestic branches.

Assets
$370M
Deposits
$303M
Loans
$152M
Equity
$66M

Profitability

Return on Assets (ROA)2.45%
Return on Equity (ROE)13.83%
Net Interest Margin4.88%
Yield on Assets5.56%
Cost of Funds0.76%

Asset Quality

NPL Ratio0.23%
Net Charge-Off Ratio0.38%
Texas Ratio0.52%
NPA Ratio0.10%
ACL / Loans1.37%

Capital & Liquidity

CET1 Ratio17.91%
Tier 1 Capital17.91%
Total Capital Ratio18.80%
Leverage Ratio18.97%
Loan-to-Deposit50.03%

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