First Bank of Alabama
Talladega, AL
IDRSSD: 257233
Total Assets
$1.12B
Latest filing
Total Deposits
$997.58M
Latest filing
Net Interest Margin
4.17%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First Bank of Alabama
120 North St E
Talladega, AL 35160
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1848FDIC Certificate 1853
Branches (13)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| First Bank of Alabama (Main) | 120 North St E | Talladega, AL |
| LINCOLN BRANCH | 47743 Us Highway 78 | Lincoln, AL |
| MUNFORD BRANCH | 44388 Alabama 21 | Munford, AL |
| WOODLAND BRANCH | 24514 Highway 48 | Woodland, AL |
| ROANOKE BRANCH | 3500 Highway 431 | Roanoke, AL |
| BANK OF WEDOWEE BRANCH | 111 W Broad St | Wedowee, AL |
| RANBURNE BRANCH | 21044 Main St | Ranburne, AL |
| SYLACAUGA BRANCH | 126 N Norton Ave | Sylacauga, AL |
Showing 7 of 13
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 | 01/01/1848 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 35160 |
| State and County Number | 01121 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| 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 | Talladega-Sylacauga, AL |
Operational Info
| Number of Employees | 147 |
| Domestic Offices | 14 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 10/01/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fbal.bank |
| Data Updated | 11/14/2025 |
| CERT | 2832 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.12B |
| Total Deposits | $997.58M |
| Total Liabilities | $1.03B |
| Total Equity Capital | $91.44M |
| Net Income | $8.97M |
| Net Loans and Leases | $726.54M |
| Assets Per Employee ($Millions) | $7.92M |
| Bank Premises and Fixed Assets | $40.02M |
| Cash and Balances due from Depository Institutions | $48.09M |
| Deposits Held in Domestic Offices | $997.58M |
Key Performance Ratios
| Return on Assets (ROA) | 3.21% |
| Return on Equity (ROE) | 41.88% |
| Net Interest Margin | 4.17% |
| Efficiency Ratio | 31.11% |
| Tier 1 Risk-Based Capital Ratio | 13.674% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.59% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.129% |
| Earning Assets to total Assets | 90% |
Income and Expense
| Total Interest Income | $15.93M |
| Total Noninterest Income | $13.45M |
| Total Interest Expense | $5.39M |
| Total Noninterest Expense | $7.53M |
| Net Interest Income | $10.54M |
| Pre-tax Net Operating Income | $14.81M |
| Provision for Credit Losses | $1.65M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $1.52M |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $10.89M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $35.87M |
| Total Liabilities and Capital | $1.12B |
Securities
| Securities | $234.91M |
| Available-for-sale debt securities | $234.91M |
| 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 First Bank of Alabama?
$1.12B as of the latest filing.
How much are First Bank of Alabama's total deposits?
$997.58M in total deposits.
Where is First Bank of Alabama located?
Talladega, AL.
What is the Net Interest Margin?
4.17%.
How many domestic offices does it operate?
14.
When was it established?
01/01/1848.
What is the Return on Assets (ROA)?
3.21%.
How much are total loans and leases?
$726.54M (latest filing).
What is the total interest income (latest filing)?
$15.93M.