First Bank of Boaz: 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 Reserve coverage of non-performing loans: 1067.65 percentage points lower than in Q1 2026, at 3032.35%. First Bank of Boaz ranks 66th of 93 Alabama banks on return on assets, in the lower half at 0.87% (Q2 2026). First Bank of Boaz reported 0.87% on return on assets for Q2 2026, 0.39 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 19.66% |
| Equity capital to assets | 12.07% |
| Tangible equity to tangible assets | 12.07% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.05% |
| Non-performing assets ratio | 0.01% |
| Net charge-off ratio | -0.03% |
| Texas ratio | 0.11% |
| Allowance for credit losses to loans | 1.47% |
| Reserve coverage of non-performing loans | 3032.35% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.87% |
| Return on equity | 7.96% |
| Net interest margin | 2.49% |
| Efficiency ratio | 58.15% |
| Yield on earning assets | 3.98% |
| Cost of funds | 1.85% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 33.72% |
| Core deposits to total deposits | 83.72% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.73% |
| Securities to assets | 62.33% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 20.55% | 1.14% | 2.36% | 0.24% | -0.01% |
| Q4 2023 | 21.62% | 1.07% | 2.25% | 0.79% | 0.01% |
| Q1 2024 | 20.75% | 0.25% | 2.19% | 0.54% | 0.17% |
| Q2 2024 | 20.65% | 1.52% | 2.36% | 0.53% | -0.01% |
| Q3 2024 | 20.28% | 0.94% | 2.57% | 0.52% | 0.00% |
| Q4 2024 | 21.06% | 1.01% | 2.68% | 0.53% | 0.09% |
| Q1 2025 | 18.93% | 0.63% | 2.38% | 0.00% | -0.01% |
| Q2 2025 | 19.00% | 0.89% | 2.48% | 0.00% | 0.01% |
| Q3 2025 | 19.33% | 1.04% | 2.47% | 0.00% | -0.01% |
| Q4 2025 | 19.88% | 0.88% | 2.47% | 0.00% | 0.00% |
| Q1 2026 | 19.98% | 0.69% | 2.38% | 0.04% | 0.00% |
| Q2 2026 | 19.66% | 0.87% | 2.49% | 0.05% | -0.03% |
First Bank of Boaz vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank of Boaz, 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 Boaz profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2784) · FFIEC NIC profile (RSSD 533535)