First Community Bank of Central Alabama: how it compares with its peers
Against 35 AL banks with half to twice its assets, First Community Bank of Central Alabama's strongest measure in Q2 2026 is return on assets (2.44% vs. a 1.21% peer median). Its weakest relative measure is assets per employee ($6.5M vs. $7.1M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.44% | 1.21% | Top third Ahead of 94% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.83% | 3.82% | Top third Ahead of 91% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 47.97% | 58.76% | Top third Ahead of 80% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.5M | $7.1M | Middle third Ahead of 40% of peers |
| Loans to deposits Net loans and leases over total deposits. | 77.71% | 68.65% | Context |
What it means for lending operations
Its efficiency ratio of 47.97% is better than the 58.76% 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 Southern Bank Florence, AL · $679M
- CCB Community Bank Andalusia, AL · $662M
- The Hometown Bank of Alabama Oneonta, AL · $661M
- MidSouth Bank Dothan, AL · $771M
- Merit Bank Huntsville, AL · $582M
- Central State Bank Calera, AL · $891M
Questions about First Community Bank of Central Alabama
How big is First Community Bank of Central Alabama?
First Community Bank of Central Alabama, established in 2001, is headquartered in Wetumpka, AL. It reported $694M in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is First Community Bank of Central Alabama's return on assets?
2.44% annualized in Q2 2026, against a 1.21% median for 35 AL banks with half to twice its assets, ahead of 94% of them.
What is First Community Bank of Central Alabama's efficiency ratio?
47.97% in Q2 2026: it spent about 48 cents in noninterest expense for each dollar of revenue. The peer median is 58.76%, and lower is better.
Is First Community Bank of Central Alabama growing its loans?
Net loans grew 13.2% over the year to Q2 2026, while deposits grew 4.5%.
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.