# FIRST FIDELITY BANK
FORT PAYNE, AL · FDIC certificate 31479 · asset band <$300M · latest filing 2025-12 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $158.6M | |
| Deposits | $143.2M | |
| Loans and leases | $71.8M | |
| Total equity | $15.2M | |
| Loans / deposits | 49.48% (p18 of band) | 73.21% |
| Liquid assets / assets | 52.20% (p81 of band) | |
| Uninsured deposits / deposits | 14.02% (p29 of band) | 19.45% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p22 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.79% (p40 of band) | 11.56% |
| Unrealized securities loss / equity | -23.45% (p19 of band) | -6.10% |
| AOCI / equity | 5.35% (p58 of band) | |
| ROA (annualized) | 0.97% (p45 of band) | 1.04% |
| Net interest margin | 3.55% (p36 of band) | 3.83% |
| Efficiency ratio | 66.92% (p48 of band) | |
| Noncurrent loans | 0.00% (p11 of band) | 0.34% |
| Net charge-offs (annualized) | 0.02% (p63 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 87% | |
| Construction % of loans | 43.86% (p74 of band) | |
| Auto loans | $377,000 (0.53% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.1% | |
| Employees | 24 | |

## Flags firing in the latest filing

- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

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

## 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
- 2025-12-10 [Alabama banks agree to $20M deal - The Business Journals](https://news.google.com/rss/articles/CBMikAFBVV95cUxNM2RON2h2V3VRVW5IRUhuTG9YMUVGZ0dQR2FIUDBXOUs2NGUxVWZMam5fVXIydkMweU9fUldNTmFmUjFpWE5tZ04zY0xUaVgxYXpxVnphZ2FKV1dwMDNxSDJRaDhHdWVLcHlackJHejVuUVRNbkFqaXVZM0s5eTVpZE9FZXhzU0VfUHpPNkZyQnI?oc=5) · The Business Journals
- 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
- 2026-03-25 [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
- 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
- 2026-03-26 [FirstBanc of Alabama completes $20.5 million acquisition, expanding footprint in east Alabama - Sylacauga News](https://news.google.com/rss/articles/CBMixwFBVV95cUxPc1ltNkprTzNQQXltR1A2ZmExam45M182aDhlYTdhRmtoRUExeUZsYnVkZFgxSWFzQUVXbXJ0S0FQNUY4bTJRSExXSGxmX1g4Q0RRZklqcWxpWHo2YzBvQi1PQWFuMEFlR081TFRWZTNJMHhtdno0eTRSWXRKeHNMeExTSWVoNklYM0JZZmtDNnV0cTRFR0Y4MjNzY1FtdDJHSnNQaFhUOXdzckN1bGQzcXU2SFRza1VUR2hOVThKUXBpbEZraVRN?oc=5) · Sylacauga News
- 2026-04-01 [NC’s Fidelity Bank to get Atlanta foothold with $142.8M Affinity deal - Yahoo Finance](https://news.google.com/rss/articles/CBMinwFBVV95cUxPNzk0bWlUUU9TcjVOS0RoanNCa2FGRzh3TXhiZUoyR01Bdnk4ZWhWMjFFU2JnamFydkRzSk54MFEtcE1uaEpubUkwUmEzMHNPcV8xUXN6WUxuZWlGbV9SQVQ4MWszeERoSWhmdHA4ellLa0xhdC1DRXJtREtrZG8teHA2MkVLMkJzUGFUZ2ZoU1V2dFkxQWZaWE5jN2VkcU0?oc=5) · Yahoo Finance

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=31479 (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/55.json (key "31479", 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