North Alabama Bank: how it compares with its peers
Against 41 AL banks with half to twice its assets, North Alabama Bank's strongest measure in Q2 2026 is net interest margin (5.56% vs. a 3.88% peer median). Its weakest relative measure is assets per employee ($4.3M vs. $5.3M).
| Measure | North Alabama Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.53% | 1.05% | Top third Ahead of 90% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.56% | 3.88% | Top third Ahead of 95% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.54% | 69.75% | Top third Ahead of 80% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.3M | $5.3M | Bottom third Ahead of 29% of peers |
| Loans to deposits Net loans and leases over total deposits. | 88.41% | 62.89% | Context |
What it means for lending operations
Its efficiency ratio of 61.54% is better than the 69.75% 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
- First Federal Bank, A FSB Tuscaloosa, AL · $183M
- The First National Bank of Hartford Hartford, AL · $173M
- Valley State Bank Russellville, AL · $169M
- Community Neighbor Bank Camden, AL · $193M
- Citizens' Bank, Inc. Robertsdale, AL · $159M
- PeoplesTrust Bank Hamilton, AL · $201M
Questions about North Alabama Bank
How big is North Alabama Bank?
North Alabama Bank, established in 1989, is headquartered in Hazel Green, AL. It reported $179M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is North Alabama Bank's return on assets?
1.53% annualized in Q2 2026, against a 1.05% median for 41 AL banks with half to twice its assets, ahead of 90% of them.
What is North Alabama Bank's efficiency ratio?
61.54% in Q2 2026: it spent about 62 cents in noninterest expense for each dollar of revenue. The peer median is 69.75%, and lower is better.
Is North Alabama Bank growing its loans?
Net loans shrank 1.4% over the year to Q2 2026, while deposits grew 0.4%.
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.