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Amerifirst Bank
Montgomery, AL · FDIC Certificate #2838 · Chartered 01/0
Total assets
$364.12M
Total deposits
$325.06M
Total equity
$34.58M
Net loans
$277.39M
Branches (offices)
6
Net income (YTD)
$2.22M
Rank: #2,185 of 4,213 U.S. banks by assets · #44 of 93 in Alabama. Assets changed 5.2% and deposits 5.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.23% |
| Return on equity | 13.28% |
| Net interest margin (YTD) | 4.61% |
| Equity to assets | 9.50% |
| Tier 1 leverage ratio | 9.66% |
| Uninsured deposits (share of deposits) | 28.0% |
| Noncurrent loans (share of loans) | 0.19% |
| Net charge-offs (share of loans) | 0.09% |
| Loans to deposits | 85.3% |
| Real estate loans (share of loans) | 86.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $239.40M | 86.3% | |
| Commercial & industrial | $32.60M | 11.8% | |
| Consumer / individual | $3.73M | 1.3% | |
| Construction & development | $54.34M | 19.6% | |
| Agricultural | $4.88M | 1.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $316.66M | $287.68M | $596.00K | $26.46M |
| Jun 2023 | $311.65M | $273.38M | $1.44M | $28.67M |
| Jun 2024 | $316.94M | $281.26M | $1.72M | $31.91M |
| Jun 2025 | $346.23M | $308.63M | $2.04M | $33.37M |
| Jun 2026 | $364.12M | $325.06M | $2.22M | $34.58M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $325.06M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $325.06M.
Similar-sized banks
Marion Community Bank ($364.24M) · Commercial Bank & Trust Company ($364.05M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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