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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Montgomery, AL · FDIC certificate #2838
AMERIFIRST BANK is an FDIC-insured institution based in Montgomery, AL (FDIC certificate #2838). In its Q3 2026 Call Report it reported total assets of $358M, total deposits of $318M and net loans of $283M. Its primary federal regulator is FDIC.
Plain-language readout
AMERIFIRST BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $364M in Q2 2026 and were lowest at $358M in Q3 2026.
Total deposits were highest at $325M in Q2 2026 and lowest at $318M in Q3 2026.
Over the whole period total assets fell 0.7%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $358M | $318M | $283M | 1.27% | 13.54% | 4.69% |
| Q2 2026 | $364M | $325M | $277M | 1.23% | 13.28% | 4.61% |
| Q1 2026 | $361M | $323M | $276M | 1.17% | 12.75% | 4.53% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $9.0M | $7.8M | +$1.2M | +15.4% |
| Federal funds sold | $22.3M | $20.5M | +$1.8M | +8.6% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $35.6M | $36.6M | -$941K | -2.6% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $277.4M | $276.0M | +$1.4M | +0.5% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $6.4M | $6.4M | -$33K | -0.5% |
| Other real estate owned | $1.4M | $1.5M | -$56K | -3.8% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $1.8M | $1.8M | -$60K | -3.3% |
| All other assets | $10.2M | $10.0M | +$226K | +2.3% |
| Total assets | $364.1M | $360.6M | +$3.5M | +1.0% |
| Liabilities | ||||
| Total deposits | $325.1M | $323.1M | +$2.0M | +0.6% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $4.5M | $4.3M | +$223K | +5.2% |
| Total liabilities | $329.5M | $327.3M | +$2.2M | +0.7% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $381K | $380K | +$1K | +0.3% |
| Surplus | $14.2M | $14.2M | -$1K | -0.0% |
| Retained earnings | $21.8M | $20.7M | +$1.2M | +5.7% |
| Accumulated other comprehensive income | -$1.8M | -$1.9M | +$115K | +6.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $34.6M | $33.3M | +$1.3M | +3.9% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.9M | $1.8M | +$156K | +8.7% |
| Adjusted nonperforming assets | $1.9M | $1.8M | +$156K | +8.7% |
| Tangible equity plus allowance | $36.1M | $34.6M | +$1.5M | +4.2% |
| Texas ratio (gross) | 5.38% | 5.15% | +0.23 pts | See points |
| Texas ratio (adjusted) | 5.38% | 5.15% | +0.23 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 5.74% | 5.53% | +0.21 pts | See points |
| Tier 1 capital to risk-weighted assets | 11.97% | 11.67% | +0.30 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 11.97% | 11.67% | +0.30 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.13% | 1.10% | +0.02 pts | See points |
| Total risk-based capital to risk-weighted assets | 13.10% | 12.77% | +0.33 pts | See points |
| Tier 1 leverage (approximate) | 9.66% | 9.33% | +0.33 pts | See points |
| Construction and land loans to total capital | 143.36% | 145.37% | -2.01 pts | See points |
| Commercial real estate to total capital | 209.84% | 215.20% | -5.36 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -6.84% | -7.57% | +0.73 pts | See points |
| Liquidity | ||||
| Core deposits | $265.1M | $264.4M | +$698K | +0.3% |
| Non-core funding | $60.0M | $58.7M | +$1.3M | +2.2% |
| Loans to core deposits | 105.87% | 105.58% | +0.29 pts | See points |
| Loans to deposits | 86.34% | 86.41% | -0.07 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 38.03% | 38.16% | -0.13 pts | See points |
| Loans pledged, share of loans | 6.77% | 5.39% | +1.37 pts | See points |
| Volatile liabilities | $60.0M | $58.7M | +$1.3M | +2.2% |
| Earnings | ||||
| Earnings before provision, year to date | $3.2M | $1.5M | +$1.6M | +105.8% |
| Earnings before provision, single quarter | $1.6M | $1.5M | +$89K | +5.8% |
| Provision for credit losses, year to date | $260K | $165K | +$95K | +57.6% |
| Yield and cost | ||||
| Yield on loans and leases | 6.69% | 6.62% | +0.07 pts | See points |
| Yield on interest-bearing balances due from banks | -0.29% | 4.19% | -4.48 pts | See points |
| Total interest income to average assets | 5.78% | 5.66% | +0.12 pts | See points |
| Cost of interest-bearing transaction accounts | 0.18% | 0.13% | +0.05 pts | See points |
| Cost of savings and money market deposits | 1.26% | 1.26% | -0.01 pts | See points |
| Cost of time deposits | 3.31% | 3.45% | -0.14 pts | See points |
| Total interest expense to average assets | 1.42% | 1.48% | -0.06 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $358M | $318M | $283M | 1.27% | 13.54% | 4.69% |
| 2026-06-30 | $364M | $325M | $277M | 1.23% | 13.28% | 4.61% |
| 2026-03-31 | $361M | $323M | $276M | 1.17% | 12.75% | 4.53% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| AL | $308.6M | 0.22% | 65 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.