First National Bank (Hamilton, AL)
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Data as of · sourced from FFIEC call reports. How we update
First National Bank is an FDIC-insured commercial bank headquartered in Hamilton, AL, established in 1976 (FDIC certificate 22271), and it is supervised by the OCC. At Q2 2026 it reported total assets of $372.7M, up 4.2% from Q2 2025, the 41st largest of 93 banks headquartered in Alabama. It reports no CET1 ratio; its Tier 1 leverage ratio was 18.99% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 22271
- Headquarters
- Hamilton, AL
- Established
- 1976
- Total assets, Q2 2026
- $372.7M
- Assets vs Q2 2025
- +4.2%
- Tier 1 leverage ratio, Q2 2026
- 18.99%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 062202859
- Latest call report
- Q2 2026, FFIEC 051 · First National Bank call report
- Holding company
- MARION COUNTY BANCSHARES, INC.
- Asset rank in state
- 41st of 93 in Alabama
First National Bank is one of the more profitable banks of its size. The Hamilton, Alabama bank had $373 million in assets at June 30, 2026, up 4.2% from a year earlier. It earns about $2.79 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 42 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Net income for the quarter rose 23% from a year earlier, to $2.6 million. Over the same year, loans shrank 5.5% and deposits grew 2.6%.
As of June 30, 2026, First National Bank reported a return on assets of 2.79%, a nonperforming-loan ratio of 0.25% and a Texas ratio of 0.74%. The figures come from its call report filed with the FFIEC.
Of the 93 banks headquartered in Alabama, First National Bank is the 41st largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.1% to $372.7M, loans fell 1.4% and deposits fell 0.3%. 1-4 family residential loans made up 33.0% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 15.8%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in AL; its Hamilton office books 47% of its branch deposits. On its Q2 2026 call report, First National Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 341 Military St S, Hamilton, AL 35570
- County
- Marion
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 6, 1976
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 82
- Domestic deposits
- $305.5M
- Allowance for credit losses
- $2.2M
- Net charge-offs (YTD)
- $221K
- Average total assets
- $379.7M
- Average total loans
- $147.2M
- Average interest-bearing deposits
- $185.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 6, 1976
- FDIC Cert
- 22271
- Fed RSSD
- 330239
- Website
- www.fnbhamilton.com →
- Parent Holding Company
- MARION COUNTY BANCSHARES, INC. (RSSD 1131376)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, First National Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
First National Bank's total assets moved between a low of $350.5M (Q2 2024) and a high of $372.9M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$372.7M total assets against $357.7M; $306.4M total liabilities against $298.7M.
$144.7M net loans and leases against $153.5M; $305.5M total deposits against $297.9M.
$181.1M securities against $159.1M; $25.4M cash and balances due against $24.3M.
$4.7M total interest income against $4.6M; $577K total interest expense against $558K.
$4.1M net interest income against $4.1M.
$968K total noninterest income against $674K; $2.2M total noninterest expense against $2.4M.
$90K provision for credit losses against $113K.
$2.6M net income against $2.2M.
2.79% return on assets against 2.33%; 4.70% net interest margin against 4.81%.
18.99% tier 1 leverage ratio against 18.14%.
Inside the full First National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst National Bank rankings
Its closest position to the top of a national ranking is 103 of 3,611, for ROA; its furthest is 2,833 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 2.05% (Q1 2025) to 2.79% (Q2 2026) and its net interest margin ran from 4.58% (Q3 2024) to 4.95% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.99% | 2.79% | 0.25% | 0.74% | 4.70% |
| Q1 2026 | 19.07% | 2.17% | 0.21% | 0.46% | 4.59% |
| Q4 2025 | 18.97% | 2.41% | 0.23% | 0.52% | 4.82% |
| Q3 2025 | 18.57% | 2.43% | 0.18% | 0.81% | 4.95% |
| Q2 2025 | 18.14% | 2.33% | 0.36% | 0.94% | 4.81% |
| Q1 2025 | 18.06% | 2.05% | 0.14% | 0.43% | 4.66% |
| Q4 2024 | 17.97% | 2.09% | 0.22% | 0.63% | 4.62% |
| Q3 2024 | 17.77% | 2.12% | 0.38% | 0.96% | 4.58% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First National Bank (main office) | Hamilton , AL | 35570 | $144.9M |
| Haleyville Branch | Haleyville , AL | 35565 | $49.8M |
| Carbon Hill Branch | Carbon Hill , AL | 35549 | $49.4M |
| Sulligent Branch | Sulligent , AL | 35586 | $36.7M |
| Double Springs Branch | Double Springs , AL | 35553 | $24.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 15, 2002 | M&A | Acquired The Bank of Parrish merger for the acquired bank | SEC |
| May 15, 2002 | Structure Change | Acquired The Bank of Parrish Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 9, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 3, 2002 | M&A | Acquired Bank of Carbon Hill merger for the acquired bank | SEC |
| April 3, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 3, 2002 | Structure Change | Acquired Bank of Carbon Hill Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2002 | M&A | Acquired The Bank of Berry merger for the acquired bank | SEC |
| April 1, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2002 | Structure Change | Acquired The Bank of Berry Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 19, 1990 | M&A | Acquired Phenix FS&LA F.A. failure_government_assistance_provided for the acquired bank | SEC |
| May 19, 1990 | Structure Change | Acquired Phenix FS&LA F.A. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 11 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- July 31, 1990, OCC: Civil Money Penalty (CMP): First National Bank Of Hamliton
- Period: Most recent institution action July 31, 1990. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in AL, rank 66 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First National Bank
What are First National Bank's total assets?
As of the Q2 2026 filing, First National Bank reported total assets of $372.7 million in its FFIEC call report.
Where is First National Bank headquartered?
It is headquartered in Hamilton, AL, United States.
When was First National Bank founded?
It was established in 1976, per the FDIC institution directory.
Is First National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #22271). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Bank?
First National Bank's primary federal regulator is the OCC.
How many branches does First National Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First National Bank's Texas Ratio?
Its Texas Ratio is 0.74% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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