First Bank of Alabama: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Bank of Alabama of Talladega, AL against its peer group of 931 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 | 1.16% | 1.46% | -0.30% | 41st below |
| ROAE | 14.48% | 12.72% | +1.76% | 67th above |
| Net Interest Margin | 3.96% | 3.85% | +0.11% | 66th above |
| Efficiency Ratio | 64.85% | 57.40% | +7.45% | 31st below |
| PPNR / Avg Assets | 1.43% | 1.88% | -0.45% | 33rd below |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.56% | 5.72% | -0.16% | 51st above |
| Cost of Funds | 1.69% | 2.02% | -0.33% | 70th above |
| Net Interest Spread | 3.54% | 3.18% | +0.36% | 78th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.84% | 1.00% | +1.84% | 6th bottom |
| NPA / Total Assets | 1.85% | 0.76% | +1.09% | 8th bottom |
| NCO / Avg Loans | 0.75% | 0.43% | +0.32% | 6th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.15% | 1.31% | -0.16% | 50th above |
| ACL / NPLs (Coverage) | 40.62% | 543.62% | -503.00% | 5th bottom |
| Texas Ratio | 28.43% | 7.38% | +21.05% | 2nd bottom |
| Provision / NCO | 29.96% | 618.97% | -589.01% | 16th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.37% | 17.34% | -3.97% | 48th below |
| Tier 1 Ratio | 13.37% | 17.37% | -4.00% | 47th below |
| Total Capital Ratio | 14.35% | 18.42% | -4.07% | 45th below |
| Leverage Ratio | 9.82% | 11.44% | -1.62% | 32nd below |
| Equity / Assets | 8.23% | 11.34% | -3.11% | 9th bottom |
| TCE / Tangible Assets | 7.40% | 10.50% | -3.10% | 6th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 66.71% | 86.96% | -20.25% | 89th top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.62% | 85.55% | +2.07% | 44th below |
| Uninsured Deposit Ratio | 34.83% | 33.12% | +1.71% | 39th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 22.73% | 9.67% | +13.06% | 93rd top |
| Loan Growth (Y/Y) | 15.13% | 8.05% | +7.08% | 86th top |
| Deposit Growth (Y/Y) | 19.45% | 7.86% | +11.59% | 90th top |
See First Bank of Alabama's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Bank of Alabama, 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 First Bank of Alabama profile, how to read a UBPR, or how this data updates.