AmeriFirst Bank: how it compares with its peers
Against 42 AL banks with half to twice its assets, AmeriFirst Bank's strongest measure in Q2 2026 is net interest margin (4.61% vs. a 4.04% peer median). Its weakest relative measure is efficiency ratio (60.33% vs. 62.89%).
| Measure | AmeriFirst Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.23% | 1.11% | Middle third Ahead of 62% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.61% | 4.04% | Top third Ahead of 74% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 60.33% | 62.89% | Middle third Ahead of 60% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.0M | $6.4M | Middle third Ahead of 64% of peers |
| Loans to deposits Net loans and leases over total deposits. | 85.33% | 71.79% | Context |
What it means for lending operations
Its efficiency ratio of 60.33% is better than the 62.89% 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
- Marion Community Bank Marion, AL · $364M
- Premier Bank of the South Cullman, AL · $371M
- First National Bank Hamilton, AL · $373M
- First State Bank of DeKalb County Fort Payne, AL · $354M
- FirstState Bank Lineville, AL · $349M
- Pinnacle Bank Jasper, AL · $385M
Questions about AmeriFirst Bank
How big is AmeriFirst Bank?
AmeriFirst Bank, established in 1916, is headquartered in Montgomery, AL. It reported $364M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is AmeriFirst Bank's return on assets?
1.23% annualized in Q2 2026, against a 1.11% median for 42 AL banks with half to twice its assets, ahead of 62% of them.
What is AmeriFirst Bank's efficiency ratio?
60.33% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 62.89%, and lower is better.
Is AmeriFirst Bank growing its loans?
Net loans grew 7.8% over the year to Q2 2026, while deposits grew 5.3%.
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.