# FIRST BANK OF ALABAMA
TALLADEGA, AL · FDIC certificate 2832 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.36B | |
| Deposits | $1.21B | |
| Loans and leases | $809.8M | |
| Total equity | $112.1M | |
| Loans / deposits | 65.94% (p12 of band) | 87.10% |
| Liquid assets / assets | 32.32% (p79 of band) | |
| Uninsured deposits / deposits | 34.83% (p61 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.82% (p32 of band) | 10.50% |
| Unrealized securities loss / equity | -39.82% (p4 of band) | -7.75% |
| AOCI / equity | 1.60% (p98 of band) | |
| ROA (annualized) | 1.31% (p56 of band) | 1.26% |
| Net interest margin | 4.34% (p82 of band) | 3.70% |
| Efficiency ratio | 61.76% (p60 of band) | |
| Noncurrent loans | 3.40% (p97 of band) | 0.51% |
| Net charge-offs (annualized) | 0.20% (p86 of band) | |
| Reserve coverage of noncurrent | 33.92% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 55.95% (p59 of band) | |
| Auto loans | $1.7M (0.21% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 19.4% | |
| Employees | 183 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 3 | losing money, noncurrent p90 |  |
| 2012-06 | 3 | charge-offs p90 | losing money |
| 2012-09 | 3 |  |  |
| 2012-12 | 2 |  | charge-offs p90 |
| 2013-03 | 4 | losing money, charge-offs p90 |  |
| 2013-06 | 3 |  | losing money |
| 2013-09 | 5 | deposits shrinking, assets shrinking |  |
| 2013-12 | 2 |  | noncurrent p90, deposits shrinking, assets shrinking |
| 2014-03 | 1 |  | charge-offs p90 |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 | charge-offs p90 | reserve under noncurrent |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | charge-offs p90 |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | assets shrinking |  |
| 2016-12 | 0 |  | assets shrinking |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | charge-offs p90 |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | construction >100% equity |  |
| 2021-06 | 2 | noncurrent p90, reserve under noncurrent | charge-offs p90, capital falling, construction >100% equity |
| 2021-09 | 2 |  |  |
| 2021-12 | 4 | capital falling, construction >100% equity |  |
| 2022-03 | 4 | AOCI drag >20% of equity | capital falling |
| 2022-06 | 5 | securities losses >30% of equity |  |
| 2022-09 | 5 |  |  |
| 2022-12 | 6 | charge-offs p90 |  |
| 2023-03 | 3 | capital falling | noncurrent p90, reserve under noncurrent, AOCI drag >20% of equity, charge-offs p90 |
| 2023-06 | 3 |  |  |
| 2023-09 | 2 |  | capital falling |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | charge-offs p90 |  |
| 2024-06 | 4 | capital falling |  |
| 2024-09 | 5 | noncurrent p90, reserve under noncurrent | capital falling |
| 2024-12 | 5 | uninsured deposits >50% | construction >100% equity |
| 2025-03 | 5 | construction >100% equity | noncurrent p90 |
| 2025-06 | 4 |  | reserve under noncurrent |
| 2025-09 | 2 |  | uninsured deposits >50%, construction >100% equity |
| 2025-12 | 5 | uninsured deposits >50%, noncurrent p90, reserve under noncurrent |  |
| 2026-03 | 3 |  | charge-offs p90, uninsured deposits >50% |
| 2026-06 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-20 [First Bank of Alabama Completes Acquisition of First Fidelity Bank - PR Newswire](https://news.google.com/rss/articles/CBMivwFBVV95cUxNelR6LWpyTklNaW9QUi1RUGtPVF94NHRVUmo4ZkZzQzlRYUQ3MndZcWR0Zkh3UWFBMFVBdHRaRkM2VE9XWjdWVTNlaFZHYkE1dlJicWd6SjdqVWpiOTlJYnVMQ1BwaTFqdkJzWGlXVHBaNE9Tb3ZlS2s3cDVjUnhRTUxzSFZKSVFiZ281cFJib2M3aUVvSElCMU8zNy1GTTRBaE9BYkFtTnJUT09qenVkX2RFc2t5cDRCNE5NWFpTUQ?oc=5) · PR Newswire
- 2025-12-11 [Two Alabama banks merge in $20.5 million deal - Business Alabama Magazine](https://news.google.com/rss/articles/CBMifkFVX3lxTE96UXR6VklJY0NaUDJ2U2tQVUdESWRKa3A1LTZZS0xSc0NoTElIeTNpczIzWWdYWE9VcFZKSXpIdHJmNVVNa3ljaklNdXhWYUJLbmZxZ1hjWGRMMWNoU2FleHMxM3lTeG43TTlpZF8wZkZpQXRZZ2hRaVM3ZEdIdw?oc=5) · Business Alabama Magazine
- 2025-12-11 [First Bank of Alabama to add four DeKalb County branches through FBDC merger - Sylacauga News](https://news.google.com/rss/articles/CBMiswFBVV95cUxPamtwbVN5UHpqV28yV2Q5V3YyOWpGX3c0Y0g3T2FOeTl0aHpuM1MxTmotdkNxX1NXTTg5c0k2X29BYWkzNWY4cTFYSV82MnBGNUxfRWxmdlFRSERGZHJTNW0tNHVQbHZjUk5iXy1LRFp5akxZN3ZVa2p4d01YVlhyS19Ca1p6V3VzMi1zWlFrcXZLSHg2RG1pM2lnRTlnV3hRZHdfUnhnVHNlbUFoMTUtdnhmZw?oc=5) · Sylacauga News
- 2025-12-12 [First Bank of Alabama acquiring First Fidelity Bank - times-journal.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQYWZCTUhqYUY5SEh6NGI3YW9ZdlF5WVdpM1BCV0RWUmo5anpvQk16YV8tRXVIMzJydS1ieU5rU0lXa29wS0t5aGd1MmtLaG1jdlVqcmhLdl8tMEJ3WTZHaGZTRE5tam1MVkhJQWM1MUUyYm41YkRlZUN2SVRRcncwLXBNa0x5YzNlenVNWA?oc=5) · times-journal.com
- 2026-09-01 [First Bank of Alabama announces Foundation pledge honoring longtime Sylacauga leader - The Anniston Star](https://news.google.com/rss/articles/CBMilAJBVV95cUxPU3hkSkgtdGhzSnc4blZNcGhsVnhObmJ2UWRBLVg0dWh3bVRrZnV4b3E2dU5rUk5CNTk2Q0ZrTFE4Q01BeTVncC1zVkZxX0lGb3JwanNnVWh4VGF3QzFHbjI2dW1fRFF4X2xobHFINzBmeEg2eXl3NmFBa2NqMkl5bWFuQVZoUklYYmJuc3lxeGxfWmFmTHctVnl4M3N6UHZjNk1HUi0yUFRVWDVRUXNIRmlZS2NfMUxPRjR1bVh1UGZfZjNvVUYyMFBnRDZyWHdxYUk1Y3Jvd2djYjNFYVFtNnU3Vm9NUjlrNjA0VXZGRVlpWnNPLUt1V2dGd3dHcUdncEMyTDY4TVktdXRXUTBkYmREWEo?oc=5) · The Anniston Star
- 2026-03-25 [First Bank Of Alabama: $20.5 Million Acquisition Of First Fidelity Bank Expands Community Banking Footprint - Pulse 2.0](https://news.google.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?oc=5) · Pulse 2.0
- 2017-05-30 [How First Bank of Alabama CEO Chad Jones came home again - AL.com](https://news.google.com/rss/articles/CBMiekFVX3lxTE5xZGhXT3FSdWQxMU9ISFF2SVRzeUVIT29KZW9ZNldMdDNDY0NIQU50TVQ1MGt3eWRsZHZJeUJxaURNOF9FcXR4UG9iWTU4eWxLY29NNEF3MGdObnRPd0FHcU91dXBZVllnVGExX19qNlFsaDZoZTNxc3p3?oc=5) · AL.com
- 2025-04-08 [Best Banks and Credit Unions in Alabama 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMijgFBVV95cUxPMWNrakgzVGJNYXhMMVVYLUtEQVBieXpPMkJoUXp5ODVldks0TVRxRk5fZHY3ek9MTktvRmlkdDdxaUFOTjlQR1prM1dwSFFoaU1hMlJYem9LaGFVN3JCZXJjazF4MnlSRFhwTzFRQ0NsbkJ5VXJXbURnbi1JS3JjZWJqTVhCWDBnQnNaQ2NB?oc=5) · Newsweek Rankings

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2832 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/16.json (key "2832", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide