First Community Bank of Central Alabama: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Community Bank of Central Alabama of Wetumpka, 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 | 2.41% | 1.34% | +1.07% | 93rd top |
| ROAE | 37.34% | 13.30% | +24.04% | 99th top |
| Net Interest Margin | 4.51% | 3.93% | +0.58% | 79th top |
| Efficiency Ratio | 47.83% | 61.15% | -13.32% | 85th top |
| PPNR / Avg Assets | 2.74% | 1.68% | +1.06% | 93rd top |
| Yield on Earning Assets | 5.90% | 5.67% | +0.23% | 64th above |
| Cost of Funds | 1.52% | 1.88% | -0.36% | 68th above |
| Net Interest Spread | 3.86% | 3.32% | +0.54% | 78th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.08% | 0.94% | -0.86% | 75th top |
| NPA / Total Assets | 0.13% | 0.70% | -0.57% | 66th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.16% | -0.12% | 28th below |
| ACL / Total Loans | 1.86% | 1.28% | +0.58% | 91st top |
| ACL / NPLs (Coverage) | 2220.33% | 1538.17% | +682.16% | — |
| Texas Ratio | 1.73% | 7.34% | -5.61% | 65th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 950.98% | 1395.94% | -444.96% | 81st top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.76% | 19.51% | -8.75% | 7th bottom |
| Tier 1 Ratio | 10.76% | 19.55% | -8.79% | 6th bottom |
| Total Capital Ratio | 12.02% | 20.63% | -8.61% | 8th bottom |
| Leverage Ratio | 8.57% | 12.14% | -3.57% | 7th bottom |
| Equity / Assets | 6.60% | 11.38% | -4.78% | 4th bottom |
| TCE / Tangible Assets | 6.60% | 11.10% | -4.50% | 5th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 79.18% | 80.64% | -1.46% | 53rd above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.24% | 86.86% | +0.38% | 40th below |
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. | 5.64% | 6.85% | -1.21% | 60th above |
| Loan Growth (Y/Y) | 13.24% | 7.90% | +5.34% | 83rd top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.45% | 6.29% | -1.84% | 53rd above |
See First Community Bank of Central Alabama's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Community Bank of Central 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 Community Bank of Central Alabama profile, how to read a UBPR, or how this data updates.