Amerifirst Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 44.42 percentage points in Q2 2026, from 669.77% to 714.19%. It was the largest change from Q1 2026 among the key lines here. Within Alabama, Amerifirst Bank is 32nd of 93 on return on assets, 1.30% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Amerifirst Bank sits 0.05 points higher, at 1.30% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.97% |
| Tier 1 risk-based capital ratio | 11.97% |
| Total risk-based capital ratio | 13.10% |
| Tier 1 leverage ratio | 9.66% |
| Equity capital to assets | 9.50% |
| Tangible equity to tangible assets | 9.06% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.16% |
| Non-performing assets ratio | 0.51% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 5.80% |
| Allowance for credit losses to loans | 1.17% |
| Reserve coverage of non-performing loans | 714.19% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.30% |
| Return on equity | 13.83% |
| Net interest margin | 4.59% |
| Efficiency ratio | 59.72% |
| Yield on earning assets | 6.09% |
| Cost of funds | 1.58% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.34% |
| Core deposits to total deposits | 81.56% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.27% |
| Securities to assets | 9.78% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.30% | 12.30% | 13.33% | 9.79% | 1.08% |
| Q4 2023 | 12.36% | 12.36% | 13.44% | 9.65% | 1.14% |
| Q1 2024 | 12.73% | 12.73% | 13.82% | 9.95% | 1.11% |
| Q2 2024 | 13.56% | 13.56% | 14.70% | 10.52% | 1.07% |
| Q3 2024 | 12.83% | 12.83% | 13.94% | 9.40% | 1.16% |
| Q4 2024 | 11.60% | 11.60% | 12.67% | 9.33% | 1.03% |
| Q1 2025 | 11.97% | 11.97% | 13.06% | 9.56% | 1.15% |
| Q2 2025 | 12.20% | 12.20% | 13.33% | 9.72% | 1.23% |
| Q3 2025 | 11.90% | 11.90% | 13.15% | 9.45% | 1.25% |
| Q4 2025 | 11.33% | 11.33% | 12.43% | 9.04% | 1.09% |
| Q1 2026 | 11.67% | 11.67% | 12.77% | 9.33% | 1.17% |
| Q2 2026 | 11.97% | 11.97% | 13.10% | 9.66% | 1.30% |
Amerifirst Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Amerifirst Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Amerifirst Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2838) · FFIEC NIC profile (RSSD 139133)