Alabama bank rankings, Q2 2026
93 FDIC-insured banks are headquartered in Alabama, holding $229.97B in combined assets as of Q2 2026. The median bank has $342M in assets, earns a 1.11% return on assets, and runs a 65.43% efficiency ratio.
Highest return on assets among community banks
- EvaBank Eva 2.53%
- First National Bank Hamilton 2.51%
- First Community Bank of Central Alabama Wetumpka 2.44%
- CCB Community Bank Andalusia 2.34%
- First State Bank of DeKalb County Fort Payne 2.26%
- Robertson Banking Company Demopolis 2.04%
- Central State Bank Calera 2.01%
- First Citizens Bank Luverne 2.01%
- Peoples Bank of Alabama Cullman 1.93%
- First Jackson Bank, Inc. Stevenson 1.93%
Most efficient community banks (lowest efficiency ratio)
- First Jackson Bank, Inc. Stevenson 38.34%
- EvaBank Eva 39.44%
- CommerceOne Bank Birmingham 43.89%
- First State Bank of DeKalb County Fort Payne 44.14%
- First Metro Bank Muscle Shoals 44.72%
- First Citizens Bank Luverne 44.74%
- First National Bank Hamilton 46.37%
- River Bank & Trust Prattville 47.25%
- First Community Bank of Central Alabama Wetumpka 47.97%
- The Bank of Vernon Vernon 48.11%
Top-ten lists include FDIC-designated community banks with at least $100M in assets; trust companies and specialty subsidiaries appear in the full table only.
Every Alabama bank
| Bank | Assets | ROA | Efficiency | NIM |
|---|---|---|---|---|
| Regions Bank Birmingham | $159.79B | 1.46% | 55.87% | 3.72% |
| ServisFirst Bank Birmingham | $18.34B | 1.88% | 29.56% | 3.56% |
| River Bank & Trust Prattville | $4.02B | 1.49% | 47.25% | 3.81% |
| CB&S Bank, Inc. Russellville | $3.07B | 0.71% | 75.65% | 3.57% |
| Bryant Bank Tuscaloosa | $2.94B | 1.59% | 54.18% | 3.49% |
| Bank Independent Sheffield | $2.86B | 0.63% | 80.19% | 4.53% |
| Oakworth Capital Bank Birmingham | $2.13B | 1.17% | 58.60% | 3.73% |
| Troy Bank & Trust Company Troy | $1.60B | 1.37% | 53.12% | 3.96% |
| United Bank Atmore | $1.48B | 1.31% | 62.73% | 4.47% |
| Peoples Bank of Alabama Cullman | $1.42B | 1.93% | 61.38% | 4.60% |
| First Bank of Alabama Talladega | $1.36B | 1.31% | 61.76% | 4.34% |
| SouthPoint Bank Birmingham | $1.36B | -1.71% | 65.28% | 3.26% |
| Citizens Bank & Trust Guntersville | $1.20B | 0.60% | 78.11% | 2.76% |
| Metro Bank Pell City | $1.18B | 1.41% | 50.98% | 3.50% |
| First US Bank Birmingham | $1.15B | 0.77% | 67.78% | 3.51% |
| AuburnBank Auburn | $1.09B | 0.88% | 68.21% | 3.31% |
| CommerceOne Bank Birmingham | $1.06B | -0.16% | 43.89% | 3.72% |
| First Metro Bank Muscle Shoals | $1.01B | 1.62% | 44.72% | 3.69% |
| West Alabama Bank & Trust Reform | $929M | 1.28% | 54.87% | 3.59% |
| First Southern State Bank Stevenson | $893M | 1.46% | 53.02% | 3.80% |
| Traditions Bank Cullman | $891M | 1.12% | 68.08% | 5.10% |
| Central State Bank Calera | $891M | 2.01% | 49.26% | 4.28% |
| MidSouth Bank Dothan | $771M | 0.82% | 76.25% | 3.67% |
| First Community Bank of Central Alabama Wetumpka | $694M | 2.44% | 47.97% | 4.83% |
| First Southern Bank Florence | $679M | -2.50% | 67.76% | 3.25% |
| CCB Community Bank Andalusia | $662M | 2.34% | 52.80% | 4.73% |
| The Hometown Bank of Alabama Oneonta | $661M | 0.97% | 71.65% | 3.82% |
| Merit Bank Huntsville | $582M | 1.01% | 58.76% | 3.39% |
| EvaBank Eva | $491M | 2.53% | 39.44% | 6.04% |
| Peoples Independent Bank Boaz | $486M | 1.60% | 56.63% | 3.56% |
| Robertson Banking Company Demopolis | $463M | 2.04% | 52.38% | 4.29% |
| Cullman Savings Bank Cullman | $457M | 0.81% | 64.53% | 4.19% |
| The Bank of Vernon Vernon | $445M | 1.27% | 48.11% | 4.79% |
| First Jackson Bank, Inc. Stevenson | $444M | 1.93% | 38.34% | 3.93% |
| NobleBank & Trust Anniston | $444M | 1.74% | 55.61% | 4.40% |
| State Bank & Trust Winfield | $413M | 0.89% | 68.94% | 3.27% |
| First Citizens Bank Luverne | $403M | 2.01% | 44.74% | 4.35% |
| Southern Independent Bank Opp | $395M | 1.11% | 58.35% | 3.29% |
| The Exchange Bank of Alabama Altoona | $393M | 1.21% | 60.95% | 3.88% |
| Pinnacle Bank Jasper | $385M | 1.15% | 59.58% | 3.55% |
| First National Bank Hamilton | $373M | 2.51% | 46.37% | 4.66% |
| Premier Bank of the South Cullman | $371M | 1.07% | 73.79% | 4.14% |
| Marion Community Bank Marion | $364M | 1.06% | 70.15% | 4.18% |
| AmeriFirst Bank Montgomery | $364M | 1.23% | 60.33% | 4.61% |
| First State Bank of DeKalb County Fort Payne | $354M | 2.26% | 44.14% | 5.44% |
| FirstState Bank Lineville | $349M | 0.77% | 71.80% | 3.71% |
| Phenix-Girard Bank Phenix City | $342M | 1.04% | 65.13% | 2.83% |
| Farmers and Merchants Bank Piedmont | $309M | 0.85% | 76.08% | 4.21% |
| Farmers and Merchants Bank Lafayette | $308M | 1.08% | 55.39% | 3.18% |
| The Citizens Bank of Winfield Winfield | $301M | 0.43% | 66.84% | 2.78% |
| 22nd State Banking Company Mobile | $292M | 0.51% | 92.87% | 6.81% |
| HNB First Bank Headland | $282M | 1.15% | 65.91% | 4.39% |
| Liberty Bank Geraldine | $259M | 1.69% | 57.51% | 4.93% |
| First Financial Bank Bessemer | $248M | 1.06% | 77.28% | 3.93% |
| First Bank of Boaz Boaz | $240M | 0.85% | 62.09% | 2.67% |
| The First National Bank and Trust Atmore | $239M | 0.50% | 75.48% | 3.66% |
| The Citizens Bank Enterprise | $233M | 1.12% | 65.43% | 3.78% |
| Community Spirit Bank Red Bay | $229M | 1.39% | 66.72% | 4.75% |
| BankSouth Dothan | $221M | 1.39% | 60.49% | 3.88% |
| Friend Bank Slocomb | $221M | 1.67% | 63.69% | 4.59% |
| Union State Bank Pell City | $212M | 0.43% | 88.32% | 3.59% |
| First Cahawba Bank Selma | $206M | 1.13% | 66.84% | 4.96% |
| Millennial Bank Leeds | $201M | 0.75% | 73.53% | 4.44% |
| PeoplesTrust Bank Hamilton | $201M | 1.08% | 61.84% | 3.73% |
| Community Neighbor Bank Camden | $193M | 1.39% | 60.24% | 4.61% |
| First Federal Bank, A FSB Tuscaloosa | $183M | 0.74% | 91.63% | 2.74% |
| North Alabama Bank Hazel Green | $179M | 1.53% | 61.54% | 5.56% |
| The First National Bank of Hartford Hartford | $173M | 1.43% | 72.92% | 4.73% |
| Valley State Bank Russellville | $169M | 1.37% | 54.47% | 3.92% |
| Citizens' Bank, Inc. Robertsdale | $159M | 1.16% | 66.05% | 3.79% |
| Sweet Water State Bank Sweet Water | $150M | 1.59% | 70.25% | 5.37% |
| Bank of Moundville Moundville | $145M | 0.39% | 79.67% | 2.72% |
| Merchants & Farmers Bank of Greene County, Alabama Eutaw | $136M | 0.77% | 77.76% | 3.45% |
| The Southern Bank Company Gadsden | $133M | 1.32% | 72.15% | 8.39% |
| First State Bank of the South, Inc. Sulligent | $131M | 1.05% | 65.88% | 3.98% |
| The Citizens Bank Greensboro | $129M | 1.09% | 53.46% | 2.98% |
| Brantley Bank and Trust Company Brantley | $127M | 0.75% | 76.21% | 5.06% |
| The Samson Banking Company, Inc. Samson | $124M | 1.33% | 54.70% | 3.74% |
| Peoples Bank of Greensboro Greensboro | $116M | 0.91% | 72.18% | 3.05% |
| The Commercial Bank Of Ozark Ozark | $115M | 0.51% | 85.15% | 3.38% |
| Local Bank Tuscaloosa | $111M | -1.47% | 111.08% | 3.68% |
| Peoples Exchange Bank Monroeville | $99M | 0.99% | 69.22% | 4.00% |
| Bank of Walker County Jasper | $99M | 1.49% | 69.88% | 5.31% |
| The Farmers & Merchants Bank Waterloo | $98M | 0.59% | 69.75% | 1.64% |
| Bank47 Huntsville | $97M | -4.32% | 224.23% | 3.00% |
| Nova Bank Huntsville | $91M | 0.69% | 84.47% | 5.06% |
| Commonwealth National Bank Mobile | $79M | -0.30% | 106.92% | 3.73% |
| Bank of Evergreen Evergreen | $78M | 0.67% | 73.78% | 3.37% |
| Dozier Bank Dozier | $55M | 1.06% | 58.71% | 3.30% |
| Bank of Brewton Brewton | $50M | 1.14% | 75.57% | 4.21% |
| Solutions Plus Bank Albertville | $44M | -5.30% | 255.37% | 4.02% |
| First Progressive Bank Brewton | $32M | 0.02% | 80.08% | 3.51% |
| BHM Bank Birmingham | $17M | -3.95% | 157.87% | 3.97% |
Method
Banks are FDIC-insured institutions headquartered in Alabama with a call report for the quarter ending 06/30/2026. Return on assets and net interest margin are annualized year to date; the efficiency ratio is noninterest expense over revenue, so lower is better. Credit unions are NCUA-insured and not included. Click any bank for its comparison with same-size peers, or look up a bank in another state.