First National Bank: how it compares with its peers
Against 41 AL banks with half to twice its assets, First National Bank's strongest measure in Q2 2026 is return on assets (2.51% vs. a 1.12% peer median). Its weakest relative measure is assets per employee ($4.5M vs. $6.5M).
| Measure | First National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.51% | 1.12% | Top third Ahead of 98% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.66% | 4.14% | Top third Ahead of 78% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 46.37% | 62.09% | Top third Ahead of 90% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.5M | $6.5M | Bottom third Ahead of 10% of peers |
| Loans to deposits Net loans and leases over total deposits. | 47.36% | 72.48% | Context |
What it means for lending operations
Its efficiency ratio of 46.37% is better than the 62.09% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Premier Bank of the South Cullman, AL · $371M
- Marion Community Bank Marion, AL · $364M
- AmeriFirst Bank Montgomery, AL · $364M
- Pinnacle Bank Jasper, AL · $385M
- First State Bank of DeKalb County Fort Payne, AL · $354M
- The Exchange Bank of Alabama Altoona, AL · $393M
Questions about First National Bank
How big is First National Bank?
First National Bank, established in 1976, is headquartered in Hamilton, AL. It reported $373M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is First National Bank's return on assets?
2.51% annualized in Q2 2026, against a 1.12% median for 41 AL banks with half to twice its assets, ahead of 98% of them.
What is First National Bank's efficiency ratio?
46.37% in Q2 2026: it spent about 46 cents in noninterest expense for each dollar of revenue. The peer median is 62.09%, and lower is better.
Is First National Bank growing its loans?
Net loans shrank 5.7% over the year to Q2 2026, while deposits grew 2.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are AL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Alabama bank ranked.