Amerifirst Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Amerifirst Bank of Montgomery, AL against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.30% | 1.34% | -0.04% | 53rd above |
| ROAE | 13.83% | 13.31% | +0.52% | 59th above |
| Net Interest Margin | 4.59% | 3.93% | +0.66% | 82nd top |
| Efficiency Ratio | 59.72% | 61.14% | -1.42% | 55th above |
| PPNR / Avg Assets | 1.81% | 1.68% | +0.13% | 63rd above |
| Yield on Earning Assets | 6.09% | 5.67% | +0.42% | 72nd above |
| Cost of Funds | 1.58% | 1.88% | -0.30% | 64th above |
| Net Interest Spread | 4.06% | 3.32% | +0.74% | 85th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.16% | 0.94% | -0.78% | 67th above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.51% | 0.70% | -0.19% | 38th below |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 87th top |
| ACL / Total Loans | 1.17% | 1.28% | -0.11% | 46th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 714.19% | 1538.99% | -824.80% | 77th top |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.80% | 7.33% | -1.53% | 36th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 206.35% | 1396.13% | -1189.78% | 58th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.97% | 19.51% | -7.54% | 17th bottom |
| Tier 1 Ratio | 11.97% | 19.54% | -7.57% | 17th bottom |
| Total Capital Ratio | 13.10% | 20.63% | -7.53% | 17th bottom |
| Leverage Ratio | 9.66% | 12.14% | -2.48% | 25th below |
| Equity / Assets | 9.50% | 11.37% | -1.87% | 36th below |
| TCE / Tangible Assets | 9.06% | 11.09% | -2.03% | 32nd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.34% | 80.63% | +5.71% | 37th below |
| Core Deposit Ratio | 81.56% | 86.86% | -5.30% | 20th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.17% | 6.85% | -1.68% | 56th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.75% | 7.90% | -0.15% | 64th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.32% | 6.29% | -0.97% | 60th above |
See Amerifirst Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Amerifirst Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Amerifirst Bank profile, how to read a UBPR, or how this data updates.