FIRST FIDELITY BANK

FORT PAYNE, AL | Small | Est. May 3, 1965, midnight | FDIC #31479 | RSSD #420877 | FDIC
Latest Report: 2025-12-31

FIRST FIDELITY BANK is asn small FDIC-insured commercial bank headquartered in FORT PAYNE, AL, established in May 3, 1965, midnight. As of 2025-12-31, the bank reported total assets of $159M and total deposits of $143M. Profitability stands at 0.69% ROA and 7.44% ROE, with a net interest margin of 3.75%. The bank's CET1 capital ratio is 16.24%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #31479.

Assets

$159M

Deposits

$143M

Loans

$72M

Equity

$15M

Profitability

Return on Assets (ROA) 0.69%
Return on Equity (ROE) 7.44%
Net Interest Margin (NIM) 3.75%
Yield on Assets 5.19%
Cost of Funds 1.46%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.05%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.31%

Capital & Liquidity

CET1 Ratio 16.24%
Tier 1 Capital 16.24%
Total Capital Ratio 17.20%
Leverage Ratio 10.79%
Loan-to-Deposit 50.14%

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