First Community Bank of Central 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 Reserve coverage of non-performing loans: 231.56 percentage points higher than in Q1 2026, at 2220.33%. Among 93 Alabama banks, First Community Bank of Central Alabama sits 3rd from the top on return on assets, 2.41% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, First Community Bank of Central Alabama reported 2.41% on return on assets in Q2 2026, 1.15 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.76% |
| Tier 1 risk-based capital ratio | 10.76% |
| Total risk-based capital ratio | 12.02% |
| Tier 1 leverage ratio | 8.57% |
| Equity capital to assets | 6.60% |
| Tangible equity to tangible assets | 6.60% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.08% |
| Non-performing assets ratio | 0.13% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 1.73% |
| Allowance for credit losses to loans | 1.86% |
| Reserve coverage of non-performing loans | 2220.33% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.41% |
| Return on equity | 37.34% |
| Net interest margin | 4.51% |
| Efficiency ratio | 47.83% |
| Yield on earning assets | 5.90% |
| Cost of funds | 1.52% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.18% |
| Core deposits to total deposits | 87.24% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.94% |
| Securities to assets | 21.66% |
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 | 10.69% | 10.69% | 11.94% | 8.69% | 2.08% |
| Q4 2023 | 10.51% | 10.51% | 11.76% | 8.66% | 2.04% |
| Q1 2024 | 10.45% | 10.45% | 11.70% | 8.61% | 2.14% |
| Q2 2024 | 10.79% | 10.79% | 12.04% | 8.77% | 2.32% |
| Q3 2024 | 10.42% | 10.42% | 11.68% | 8.99% | 2.24% |
| Q4 2024 | 11.12% | 11.12% | 12.38% | 8.74% | 2.04% |
| Q1 2025 | 10.98% | 10.98% | 12.24% | 8.61% | 2.11% |
| Q2 2025 | 10.64% | 10.64% | 11.89% | 8.47% | 2.48% |
| Q3 2025 | 10.83% | 10.83% | 12.09% | 8.47% | 2.32% |
| Q4 2025 | 10.81% | 10.81% | 12.07% | 8.39% | 2.04% |
| Q1 2026 | 10.50% | 10.50% | 11.76% | 8.50% | 2.44% |
| Q2 2026 | 10.76% | 10.76% | 12.02% | 8.57% | 2.41% |
First Community Bank of Central Alabama vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Community Bank of Central 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 Community Bank of Central Alabama profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57124) · FFIEC NIC profile (RSSD 3034257)