First Bank of Alabama: 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.
The standout move of Q2 2026 was in Securities to assets: 3.61 percentage points higher than in Q1 2026, at 24.01%. Within Alabama, First Bank of Alabama is 44th of 93 on return on assets, 1.16% as of Q2 2026, above the middle of the field. First Bank of Alabama reported 1.16% on return on assets for Q2 2026, 0.12 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.37% |
| Tier 1 risk-based capital ratio | 13.37% |
| Total risk-based capital ratio | 14.35% |
| Tier 1 leverage ratio | 9.82% |
| Equity capital to assets | 8.23% |
| Tangible equity to tangible assets | 7.40% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.84% |
| Non-performing assets ratio | 1.85% |
| Net charge-off ratio | 0.75% |
| Texas ratio | 28.43% |
| Allowance for credit losses to loans | 1.15% |
| Reserve coverage of non-performing loans | 40.62% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.16% |
| Return on equity | 14.48% |
| Net interest margin | 3.96% |
| Efficiency ratio | 64.85% |
| Yield on earning assets | 5.56% |
| Cost of funds | 1.69% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 66.71% |
| Core deposits to total deposits | 87.62% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.12% |
| Securities to assets | 24.01% |
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 | 12.65% | 12.65% | 13.91% | 9.89% | 1.41% |
| Q4 2023 | 12.16% | 12.16% | 13.42% | 10.08% | 0.26% |
| Q1 2024 | 12.12% | 12.12% | 13.38% | 9.89% | 1.26% |
| Q2 2024 | 12.22% | 12.22% | 13.47% | 9.85% | 1.56% |
| Q3 2024 | 13.07% | 13.07% | 14.32% | 10.08% | 2.68% |
| Q4 2024 | 12.83% | 12.83% | 14.08% | 9.90% | 0.66% |
| Q1 2025 | 13.23% | 13.23% | 14.23% | 10.05% | 1.61% |
| Q2 2025 | 13.42% | 13.42% | 14.37% | 10.32% | 1.07% |
| Q3 2025 | 13.67% | 13.67% | 14.76% | 11.05% | 3.24% |
| Q4 2025 | 13.95% | 13.95% | 15.07% | 10.58% | 0.77% |
| Q1 2026 | 12.45% | 12.45% | 13.49% | 10.65% | 1.49% |
| Q2 2026 | 13.37% | 13.37% | 14.35% | 9.82% | 1.16% |
First Bank of Alabama vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank of Alabama, 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 First Bank of Alabama profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2832) · FFIEC NIC profile (RSSD 257233)