First Cahawba Bank: how it compares with its peers
Against 44 AL banks with half to twice its assets, First Cahawba Bank's strongest measure in Q2 2026 is net interest margin (4.96% vs. a 3.90% peer median). Its weakest relative measure is assets per employee ($4.9M vs. $5.6M).
| Measure | First Cahawba Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.13% | 1.09% | Middle third Ahead of 57% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.96% | 3.90% | Top third Ahead of 86% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 66.84% | 65.98% | Middle third Ahead of 45% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.9M | $5.6M | Middle third Ahead of 36% of peers |
| Loans to deposits Net loans and leases over total deposits. | 78.66% | 62.50% | Context |
What it means for lending operations
Its efficiency ratio of 66.84% is above the 65.98% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Millennial Bank Leeds, AL · $201M
- PeoplesTrust Bank Hamilton, AL · $201M
- Union State Bank Pell City, AL · $212M
- Community Neighbor Bank Camden, AL · $193M
- Friend Bank Slocomb, AL · $221M
- BankSouth Dothan, AL · $221M
Questions about First Cahawba Bank
How big is First Cahawba Bank?
First Cahawba Bank, established in 2007, is headquartered in Selma, AL. It reported $206M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is First Cahawba Bank's return on assets?
1.13% annualized in Q2 2026, against a 1.09% median for 44 AL banks with half to twice its assets, ahead of 57% of them.
What is First Cahawba Bank's efficiency ratio?
66.84% in Q2 2026: it spent about 67 cents in noninterest expense for each dollar of revenue. The peer median is 65.98%, and lower is better.
Is First Cahawba Bank growing its loans?
Net loans grew 17.0% over the year to Q2 2026, while deposits grew 0.9%.
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.