AmeriFirst Bank
Montgomery, AL
IDRSSD: 139133
Total Assets
$355.31M
Latest filing
Total Deposits
$317.67M
Latest filing
Net Interest Margin
4.57%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
AmeriFirst Bank
8165 Vaughn Rd
Montgomery, AL 36116
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/02/1916FDIC Certificate 1859
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| AmeriFirst Bank (Main) | 8165 Vaughn Rd | Montgomery, AL |
| ESCAMBIA COUNTY BRANCH | 2151 Ringold St | Flomaton, AL |
| PRATTVILLE BRANCH | 1799 Fairview Ave | Prattville, AL |
| UNION SPRINGS BRANCH | 104 Hardaway Ave E | Union Springs, AL |
| AUBURN BRANCH | 2694 Hilton Garden Drive | Auburn, AL |
Showing 4 of 4
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/02/1916 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 36116 |
| State and County Number | 01101 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Montgomery, AL |
Operational Info
| Number of Employees | 51 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.amerifirstbank.com |
| Data Updated | 11/14/2025 |
| CERT | 2838 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $355.31M |
| Total Deposits | $317.67M |
| Total Liabilities | $322.26M |
| Total Equity Capital | $33.05M |
| Net Income | $1.10M |
| Net Loans and Leases | $261.71M |
| Assets Per Employee ($Millions) | $6.83M |
| Bank Premises and Fixed Assets | $5.72M |
| Cash and Balances due from Depository Institutions | $11.39M |
| Deposits Held in Domestic Offices | $317.67M |
Key Performance Ratios
| Return on Assets (ROA) | 1.25% |
| Return on Equity (ROE) | 13.2% |
| Net Interest Margin | 4.57% |
| Efficiency Ratio | 56.83% |
| Tier 1 Risk-Based Capital Ratio | 11.897% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.29% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.302% |
| Earning Assets to total Assets | 91.58% |
Income and Expense
| Total Interest Income | $5.08M |
| Total Noninterest Income | $366.00k |
| Total Interest Expense | $1.39M |
| Total Noninterest Expense | $2.37M |
| Net Interest Income | $3.69M |
| Pre-tax Net Operating Income | $1.43M |
| Provision for Credit Losses | $258.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $1.41M |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $26.27M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.59M |
| Total Liabilities and Capital | $355.31M |
Securities
| Securities | $37.05M |
| Available-for-sale debt securities | $37.05M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of AmeriFirst Bank?
$355.31M as of the latest filing.
How much are AmeriFirst Bank's total deposits?
$317.67M in total deposits.
Where is AmeriFirst Bank located?
Montgomery, AL.
What is the Net Interest Margin?
4.57%.
How many domestic offices does it operate?
5.
When was it established?
01/02/1916.
What is the Return on Assets (ROA)?
1.25%.
How much are total loans and leases?
$261.71M (latest filing).
What is the total interest income (latest filing)?
$5.08M.