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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Boaz, AL · FDIC certificate #2784
FIRST BANK OF BOAZ is an FDIC-insured institution based in Boaz, AL (FDIC certificate #2784). In its Q3 2026 Call Report it reported total assets of $238M, total deposits of $213M and net loans of $69M. Its primary federal regulator is FDIC.
Plain-language readout
FIRST BANK OF BOAZ has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $240M in Q2 2026 and were lowest at $237M in Q1 2026.
Total deposits were highest at $213M in Q3 2026 and lowest at $204M in Q1 2026.
Over the whole period total assets rose 0.4%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $238M | $213M | $69M | 0.88% | 7.74% | 2.72% |
| Q2 2026 | $240M | $208M | $69M | 0.85% | 7.04% | 2.67% |
| Q1 2026 | $237M | $204M | $68M | 0.76% | 6.23% | 2.60% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $9.5M | $12.2M | -$2.7M | -22.2% |
| Federal funds sold | $150K | $25K | +$125K | +500.0% |
| 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) | $149.5M | $145.3M | +$4.2M | +2.9% |
| 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) | $69.1M | $68.0M | +$1.1M | +1.7% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $435K | $438K | -$3K | -0.7% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| 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) | $0K | $0K | $0K | n/a |
| All other assets | $11.2M | $11.3M | -$138K | -1.2% |
| Total assets | $239.8M | $237.2M | +$2.6M | +1.1% |
| Liabilities | ||||
| Total deposits | $208.0M | $204.1M | +$3.9M | +1.9% |
| 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 | $2.0M | $4.0M | -$2.0M | -50.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $864K | $936K | -$72K | -7.7% |
| Total liabilities | $210.9M | $209.1M | +$1.8M | +0.9% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $80K | $80K | $0K | 0.0% |
| Surplus | $1.5M | $1.5M | $0K | 0.0% |
| Retained earnings | $50.0M | $50.4M | -$357K | -0.7% |
| Accumulated other comprehensive income | -$22.7M | -$23.9M | +$1.2M | +5.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $29.0M | $28.1M | +$844K | +3.0% |
| Credit and capital | ||||
| Gross nonperforming assets | $34K | $25K | +$9K | +36.0% |
| Adjusted nonperforming assets | $34K | $25K | +$9K | +36.0% |
| Tangible equity plus allowance | $30.0M | $29.1M | +$850K | +2.9% |
| Texas ratio (gross) | 0.11% | 0.09% | +0.03 pts | See points |
| Texas ratio (adjusted) | 0.11% | 0.09% | +0.03 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.11% | 0.09% | +0.03 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 19.66% | 19.98% | -0.32 pts | See points |
| Construction and land loans to total capital | 13.36% | 14.32% | -0.96 pts | See points |
| Commercial real estate to total capital | 26.42% | 26.41% | +0.01 pts | See points |
| Dividend payout, year to date | 145.53% | 123.61% | +21.92 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -59.34% | -62.05% | +2.72 pts | See points |
| Liquidity | ||||
| Core deposits | $174.1M | $169.8M | +$4.4M | +2.6% |
| Non-core funding | $35.9M | $38.4M | -$2.5M | -6.5% |
| Loans to core deposits | 40.27% | 40.63% | -0.36 pts | See points |
| Loans to deposits | 33.72% | 33.79% | -0.08 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 27.47% | 28.07% | -0.60 pts | See points |
| Loans pledged, share of loans | 7.69% | 7.45% | +0.24 pts | See points |
| Volatile liabilities | $35.9M | $38.4M | -$2.5M | -6.5% |
| Earnings | ||||
| Earnings before provision, year to date | $1.2M | $569K | +$665K | +116.9% |
| Earnings before provision, single quarter | $665K | $569K | +$96K | +16.9% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.52% | 6.46% | +0.06 pts | See points |
| Yield on interest-bearing balances due from banks | 3.08% | 2.23% | +0.85 pts | See points |
| Total interest income to average assets | 3.84% | 3.78% | +0.06 pts | See points |
| Cost of interest-bearing transaction accounts | 0.29% | 0.28% | +0.01 pts | See points |
| Cost of savings and money market deposits | 1.80% | 1.72% | +0.08 pts | See points |
| Cost of time deposits | 3.63% | 3.67% | -0.04 pts | See points |
| Total interest expense to average assets | 1.47% | 1.52% | -0.05 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 | $238M | $213M | $69M | 0.88% | 7.74% | 2.72% |
| 2026-06-30 | $240M | $208M | $69M | 0.85% | 7.04% | 2.67% |
| 2026-03-31 | $237M | $204M | $68M | 0.76% | 6.23% | 2.60% |
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 | $205.6M | 0.14% | 79 | Continuing · -0.00 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.