Financial strength ranking · Alabama · Call Report data as of Q2 2026

Best Banks in Alabama by Financial Strength

First National Bank ranks first among the 81 banks headquartered in Alabama we score, with a financial strength score of 87.2 out of 100 as of June 30, 2026. The score averages each bank's national percentile on four Call Report ratios: return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.

Ranked first: First National Bank
Its score: 87.2 of 100
Banks scored in Alabama: 81
Its return on assets: 2.79%

Every scored bank in Alabama

Select a column heading to sort. Score is 0 to 100, where 100 would be the best US bank on all four ratios; ratios for Q2 2026.

Banks headquartered in Alabama ranked by financial strength score, with total assets, return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.

1	First National Bank Hamilton	87.2	2.79%	42.41%	18.99%	0.14%	$372.7M
2	First Jackson Bank Stevenson	82.4	1.90%	36.90%	14.78%	0.15%	$444.3M
3	First Metro Bank Muscle Shoals	76.4	1.63%	43.86%	12.98%	0.11%	$1.01B
4	First State Bank of Dekalb County, Inc. Fort Payne	75.0	2.24%	42.75%	14.13%	0.55%	$353.8M
5	Banksouth Dothan	74.9	1.50%	57.91%	19.06%	0.02%	$221.5M
6	Evabank Eva	73.7	2.57%	39.37%	27.85%	1.74%	$490.6M
7	The Samson Banking Company Samson	71.6	1.12%	54.75%	14.76%	0.00%	$124.5M
8	CCB Community Bank Andalusia	71.1	2.62%	48.36%	10.53%	0.17%	$661.9M
9	Robertson Banking Company Demopolis	69.3	1.93%	55.58%	11.26%	0.09%	$462.7M
10	First Citizens Bank Luverne	69.1	2.15%	44.16%	14.30%	1.22%	$402.6M
11	Liberty Bank Geraldine	67.3	1.75%	55.36%	11.30%	0.11%	$258.6M
12	Metro Bank Pell City	67.2	1.65%	46.52%	14.68%	0.81%	$1.18B
13	The Exchange Bank of Alabama Altoona	67.0	1.21%	60.09%	15.30%	0.02%	$392.5M
14	Commerceone Bank Birmingham	66.9	1.60%	42.03%	9.01%	0.00%	$1.06B
15	Noblebank & Trust Anniston	65.9	1.72%	55.09%	11.32%	0.16%	$444.0M
16	Friend Bank Slocomb	65.9	1.90%	59.79%	13.52%	0.33%	$221.0M
17	First Bank of Boaz Boaz	65.4	0.87%	58.15%	19.66%	0.01%	$239.8M
18	Valley State Bank Russellville	64.4	1.29%	52.27%	17.80%	0.51%	$169.5M
19	ServisFirst Bank Homewood	63.5	1.91%	29.38%	11.09%	0.96%	$18.34B
20	First Community Bank of Central Alabama Wetumpka	63.0	2.41%	47.83%	8.57%	0.14%	$694.3M
21	Southern Independent Bank Opp	62.5	1.00%	57.75%	13.63%	0.04%	$395.3M
22	Central State Bank Calera	62.4	2.02%	46.37%	8.98%	0.16%	$890.7M
23	North Alabama Bank Hazel Green	62.0	1.56%	61.13%	11.73%	0.11%	$178.6M
24	Peoples Bank of Alabama Cullman	59.9	1.99%	59.30%	11.19%	0.38%	$1.42B
25	Peoples Independent Bank Boaz	59.8	1.66%	51.17%	9.41%	0.12%	$485.7M
26	Pinnacle Bank Jasper	59.2	1.04%	57.42%	11.30%	0.01%	$384.5M
27	First Southern State Bank Stevenson	59.0	1.47%	51.71%	10.59%	0.28%	$893.5M
28	The Bank of Vernon Vernon	59.0	0.69%	46.01%	16.60%	0.50%	$445.4M
29	Troy Bank & Trust Company Troy	57.2	1.49%	53.11%	12.83%	1.01%	$1.60B
30	Bryant Bank Tuscaloosa	56.8	1.67%	52.83%	9.53%	0.23%	$2.94B
31	Phenix-Girard Bank Phenix City	56.4	1.16%	60.33%	11.76%	0.12%	$342.3M
32	United Bank Atmore	56.2	1.47%	59.81%	15.79%	0.95%	$1.48B
33	Citizens' Bank, Inc. Robertsdale	55.6	1.28%	62.62%	11.00%	0.07%	$158.9M
34	West Alabama Bank & Trust Reform	53.8	1.25%	53.72%	12.22%	0.74%	$929.0M
35	Merit Bank Huntsville	53.2	1.07%	53.60%	9.70%	0.04%	$581.6M
36	The Citizens Bank Greensboro	53.2	1.09%	53.39%	12.22%	0.55%	$129.2M
37	Farmers and Merchants Bank Lafayette	53.0	1.10%	54.23%	11.56%	0.41%	$307.6M
38	River Bank & Trust Prattville	51.8	1.46%	48.20%	9.23%	0.39%	$4.02B
39	Community Spirit Bank Red Bay	51.8	1.46%	65.13%	9.73%	0.03%	$228.8M
40	The Southern Bank Company Gadsden	51.0	1.49%	66.89%	15.05%	0.97%	$133.1M
41	Cullman Savings Bank Cullman	50.4	0.97%	70.23%	18.64%	0.34%	$456.7M
42	The Citizens Bank of Winfield Winfield	50.2	0.33%	64.50%	17.51%	0.21%	$301.3M
43	First Cahawba Bank Selma	48.6	1.07%	65.60%	10.81%	0.09%	$205.7M
44	The Citizens Bank Enterprise	47.9	1.25%	62.30%	10.56%	0.29%	$233.3M
45	Auburnbank Auburn	47.6	0.91%	67.84%	10.65%	0.01%	$1.09B
46	Community Neighbor Bank Camden	47.3	1.35%	60.69%	11.13%	0.69%	$193.2M
47	Regions Bank Birmingham	45.7	1.47%	55.77%	9.50%	0.59%	$159.79B
48	First State Bank of the South, Inc. Sulligent	45.0	1.01%	66.58%	16.38%	0.94%	$130.7M
49	Premier Bank of the South Cullman	43.8	1.15%	73.74%	9.37%	0.00%	$370.6M
50	Oakworth Capital Bank Birmingham	42.8	1.26%	55.16%	9.60%	0.66%	$2.13B
51	Amerifirst Bank Montgomery	42.1	1.30%	59.72%	9.66%	0.53%	$364.1M
52	Peoplestrust Bank Hamilton	41.9	0.96%	64.40%	11.11%	0.40%	$201.2M
53	HNB First Bank Headland	40.8	1.31%	59.81%	9.53%	0.57%	$282.4M
54	Farmers & Merchants Bank Piedmont	40.7	0.86%	74.85%	12.73%	0.39%	$308.7M
55	The Hometown Bank of Alabama Oneonta	40.1	1.22%	61.63%	11.08%	1.36%	$660.7M
56	First National Bank of Hartford Hartford	37.7	1.15%	75.40%	12.88%	1.15%	$173.0M
57	Millennial Bank Leeds	36.8	0.76%	72.16%	8.78%	0.00%	$201.3M
58	First National Bank and Trust Atmore	35.9	0.46%	75.47%	11.55%	0.27%	$238.6M
59	Firststate Bank Lineville	35.4	0.74%	69.37%	11.14%	0.49%	$349.4M
60	Traditions Bank Cullman	34.4	1.17%	66.79%	10.50%	1.10%	$890.9M
61	First US Bank Birmingham	34.1	0.75%	67.71%	9.16%	0.13%	$1.15B
62	Midsouth Bank Dothan	32.6	0.88%	73.42%	9.30%	0.16%	$771.5M
63	Citizens Bank & Trust Guntersville	30.6	0.62%	76.37%	8.93%	0.05%	$1.20B
64	Sweet Water State Bank Sweet Water	30.6	1.27%	75.20%	9.74%	0.78%	$150.0M
65	First Financial Bank Bessemer	30.2	1.05%	77.93%	10.69%	0.84%	$248.1M
66	State Bank & Trust Winfield	29.5	0.88%	67.00%	9.01%	0.40%	$413.0M
67	First Bank of Alabama Talladega	28.7	1.16%	64.85%	9.82%	2.19%	$1.36B
68	Bank of Moundville Moundville	28.6	0.39%	79.81%	15.10%	2.22%	$144.6M
69	Bank Independent Sheffield	27.1	0.32%	88.68%	9.82%	0.15%	$2.86B
70	Marion Community Bank Marion	25.9	1.09%	70.57%	9.83%	1.50%	$364.2M
71	Peoples Bank of Greensboro Greensboro	25.7	0.95%	69.82%	8.91%	0.61%	$115.5M
72	Local Bank Tuscaloosa	25.4	-0.80%	105.09%	14.29%	1.27%	$111.3M
73	Merchants & Farmers Bank of Greene County Eutaw	22.2	0.57%	81.62%	11.69%	3.31%	$135.9M
74	CB&S Bank, Inc. Russellville	21.8	0.63%	76.54%	10.42%	1.32%	$3.07B
75	Brantley Bank & Trust Company Brantley	20.8	0.78%	75.98%	10.14%	1.69%	$126.9M
76	22nd State Banking Company Mobile	20.0	0.67%	90.31%	11.12%	2.52%	$292.2M
77	The Commercial Bank of Ozark Ozark	19.4	0.57%	80.56%	9.09%	0.54%	$115.2M
78	First Federal Bank, a FSB Tuscaloosa	16.0	0.66%	92.93%	7.82%	0.50%	$182.6M
79	Union State Bank Pell City	14.8	0.41%	87.61%	9.61%	1.04%	$212.5M
80	First Southern Bank Florence	8.7	-0.62%	74.08%	8.95%	7.49%	$679.2M
81	Southpoint Bank Birmingham	8.5	-3.28%	69.07%	6.86%	3.19%	$1.36B

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How the score works

Each bank gets a percentile on each of four ratios, measured against every US bank that filed a Call Report for the quarter and turned so that higher is always better: 100 is the best bank in the country on that ratio and 0 the weakest. The score is the plain average of the four percentiles; 3,583 banks nationwide are scored.

Return on assets: higher is better.
Efficiency ratio: lower is better.
Tier 1 leverage ratio: higher is better.
Nonperforming assets ratio: lower is better.

A bank is scored when it is ranked on all four of those leaderboards: at least $100 million in total assets, open, a lending institution, and a quarter not driven by gains or losses on equity securities. Banks are listed by headquarters state.

Frequently asked questions

What is the best bank in Alabama?

By our financial strength score, First National Bank of Hamilton ranks first among the 81 scored banks headquartered in Alabama, scoring 87.2 out of 100 for Q2 2026: return on assets of 2.79%, an efficiency ratio of 42.41%, a Tier 1 leverage ratio of 18.99% and nonperforming assets of 0.14% of total assets. First Jackson Bank and First Metro Bank rank second and third.

How are the best banks in Alabama ranked?

Each bank is placed on four Call Report ratios against every US bank that filed for the quarter: return on assets and the Tier 1 leverage ratio, where higher is better, and the efficiency ratio and the nonperforming assets ratio, where lower is better. Each placement is a percentile from 0 to 100, and the score is their average. Only banks with at least $100 million in assets that are ranked on all four ratios are scored, 3,583 banks nationwide.

Does this ranking say which bank I should open an account with?

No. The score reads only what a bank files with its regulators: earnings, cost control, capital and problem assets. It does not measure deposit rates, fees, branches, apps or service, which matter most when choosing a bank for an account, and it is not a safety rating. FDIC insurance protects deposits at insured banks up to the legal limit regardless of a bank's score.

More in Alabama

Largest banks in Alabama Bank deposits in Alabama Largest credit unions in Alabama Return on assets ranking Efficiency ratio ranking Tier 1 leverage ratio ranking Nonperforming assets ratio ranking All rankings

Source: FFIEC Call Reports for Q2 2026, refreshed as each quarter's filings are processed. A ranking is not a safety rating: FDIC insurance covers deposits at insured banks up to the legal limit, whatever the score. Check your coverage with the FDIC insurance calculator.