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First Metro Bank
Muscle Shoals, AL · FDIC Certificate #27381 · Chartered 11/0
Total assets
$1.01B
Total deposits
$893.70M
Total equity
$113.63M
Net loans
$593.79M
Branches (offices)
11
Net income (YTD)
$8.18M
Rank: #1,033 of 4,213 U.S. banks by assets · #18 of 93 in Alabama. Assets changed 1.4% and deposits -0.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.62% |
| Return on equity | 14.77% |
| Net interest margin (YTD) | 3.69% |
| Equity to assets | 11.22% |
| Tier 1 leverage ratio | 12.98% |
| Uninsured deposits (share of deposits) | 42.8% |
| Noncurrent loans (share of loans) | 0.13% |
| Net charge-offs (share of loans) | 0.22% |
| Loans to deposits | 66.4% |
| Real estate loans (share of loans) | 84.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $503.32M | 84.8% | |
| Commercial & industrial | $67.84M | 11.4% | |
| Consumer / individual | $16.04M | 2.7% | |
| Construction & development | $84.07M | 14.2% | |
| Agricultural | $4.77M | 0.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $943.99M | $874.74M | $5.38M | $66.62M |
| Jun 2023 | $928.19M | $809.39M | $6.88M | $69.69M |
| Jun 2024 | $968.21M | $854.26M | $7.92M | $83.75M |
| Jun 2025 | $998.33M | $893.92M | $8.18M | $99.17M |
| Jun 2026 | $1.01B | $893.70M | $8.18M | $113.63M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $893.70M | 11 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $893.70M.
Similar-sized banks
River Bank ($1.02B) · Presidential Bank, FSB ($1.01B)
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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