First Bank of Alabama

BankTalladega, Alabama
www.fbal.bank

Total Assets

$1.2B

Total Deposits

$1.1B

Branches

14

Established

1848

TFS Health Grade

$
D+

69.8 / 100

Below average financial health

How we grade

First Bank of Alabama is a bank headquartered in Talladega, Alabama, established in 1848. With $1.2B in total assets and 14 branch locations, it has a TFS Financial Health Grade of D+ (69.8/100).

Capital & Safety

Tier 1 Capital Ratio
10.58%(8%)
Total Capital Ratio
15.07%(10%)
Non-Performing Loan Ratio
3.38%

Profitability

Return on Assets (ROA)
1.64%(1%)
Return on Equity (ROE)
21.97%(10%)
Net Interest Margin
4.10%
Efficiency Ratio
47.88%(60%)

Lending & Liquidity

Total Loans
$718.3M
Loan-to-Deposit Ratio
65.78%
Net Charge-Off Ratio
0.82%

Growth

Asset Growth (YoY)
+5.50%
Deposit Growth (YoY)
+2.79%
Net Income
$18.7M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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