FIRST BANK OF BOAZ

BOAZ, AL | Small | Est. Jan. 1, 1906, midnight | FDIC #2784 | RSSD #533535 | FDIC
Latest Report: 2025-12-31

FIRST BANK OF BOAZ is asn small FDIC-insured commercial bank headquartered in BOAZ, AL, established in Jan. 1, 1906, midnight. As of 2025-12-31, the bank reported total assets of $238M and total deposits of $204M. Profitability stands at 0.95% ROA and 7.96% ROE, with a net interest margin of 2.76%. The bank's CET1 capital ratio is 12.41%, 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 #2784.

Assets

$238M

Deposits

$204M

Loans

$69M

Equity

$30M

Profitability

Return on Assets (ROA) 0.95%
Return on Equity (ROE) 7.96%
Net Interest Margin (NIM) 2.76%
Yield on Assets 4.55%
Cost of Funds 1.88%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.48%

Capital & Liquidity

CET1 Ratio 12.41%
Tier 1 Capital 12.41%
Total Capital Ratio 13.03%
Leverage Ratio 19.88%
Loan-to-Deposit 33.94%

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