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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Hamilton, AL · FDIC certificate #22271
FIRST NATIONAL BANK is an FDIC-insured institution based in Hamilton, AL (FDIC certificate #22271). In its Q3 2026 Call Report it reported total assets of $374M, total deposits of $311M and net loans of $142M. Its primary federal regulator is OCC.
Plain-language readout
FIRST NATIONAL BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $374M in Q3 2026 and were lowest at $373M in Q2 2026.
Total deposits were highest at $311M in Q3 2026 and lowest at $306M in Q2 2026.
Over the whole period total assets rose 0.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $374M | $311M | $142M | 2.50% | 14.28% | 4.70% |
| Q2 2026 | $373M | $306M | $145M | 2.51% | 14.16% | 4.66% |
| Q1 2026 | $373M | $306M | $147M | 2.19% | 12.32% | 4.57% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $8.4M | $11.5M | -$3.1M | -26.7% |
| Federal funds sold | $17.0M | $19.5M | -$2.5M | -13.0% |
| 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) | $181.1M | $174.2M | +$6.9M | +4.0% |
| 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) | $144.7M | $146.8M | -$2.2M | -1.5% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $3.7M | $3.7M | -$57K | -1.5% |
| Other real estate owned | $135K | $0K | +$135K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $1.2M | $1.1M | +$155K | +14.6% |
| 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 | $16.5M | $16.1M | +$442K | +2.7% |
| Total assets | $372.7M | $372.9M | -$198K | -0.1% |
| Liabilities | ||||
| Total deposits | $305.5M | $306.4M | -$860K | -0.3% |
| 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 | $892K | $906K | -$14K | -1.5% |
| Total liabilities | $306.4M | $307.3M | -$874K | -0.3% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $374K | $374K | $0K | 0.0% |
| Surplus | $6.1M | $6.1M | $0K | 0.0% |
| Retained earnings | $65.6M | $64.9M | +$663K | +1.0% |
| Accumulated other comprehensive income | -$5.8M | -$5.8M | +$13K | +0.2% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $66.3M | $65.6M | +$676K | +1.0% |
| Credit and capital | ||||
| Gross nonperforming assets | $507K | $313K | +$194K | +62.0% |
| Adjusted nonperforming assets | $507K | $313K | +$194K | +62.0% |
| Tangible equity plus allowance | $68.5M | $67.7M | +$739K | +1.1% |
| Texas ratio (gross) | 0.74% | 0.46% | +0.28 pts | See points |
| Texas ratio (adjusted) | 0.74% | 0.46% | +0.28 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 1.09% | 0.83% | +0.26 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) | 18.99% | 19.07% | -0.08 pts | See points |
| Construction and land loans to total capital | 12.09% | 11.31% | +0.78 pts | See points |
| Commercial real estate to total capital | 25.07% | 24.06% | +1.01 pts | See points |
| Dividend payout, year to date | 65.45% | 53.05% | +12.40 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -8.59% | -8.69% | +0.10 pts | See points |
| Liquidity | ||||
| Core deposits | $293.5M | $294.8M | -$1.3M | -0.5% |
| Non-core funding | $12.1M | $11.6M | +$488K | +4.2% |
| Loans to core deposits | 50.04% | 50.52% | -0.48 pts | See points |
| Loans to deposits | 48.06% | 48.61% | -0.55 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 21.50% | 22.86% | -1.37 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $12.1M | $11.6M | +$488K | +4.2% |
| Earnings | ||||
| Earnings before provision, year to date | $5.3M | $2.4M | +$2.9M | +121.7% |
| Earnings before provision, single quarter | $2.9M | $2.4M | +$516K | +21.7% |
| Provision for credit losses, year to date | $287K | $197K | +$90K | +45.7% |
| Yield and cost | ||||
| Yield on loans and leases | 7.62% | 7.25% | +0.36 pts | See points |
| Yield on interest-bearing balances due from banks | 4.29% | 3.05% | +1.24 pts | See points |
| Total interest income to average assets | 4.93% | 4.81% | +0.13 pts | See points |
| Cost of interest-bearing transaction accounts | 0.83% | 0.80% | +0.03 pts | See points |
| Cost of savings and money market deposits | 0.19% | 0.19% | -0.00 pts | See points |
| Cost of time deposits | 3.17% | 3.12% | +0.04 pts | See points |
| Total interest expense to average assets | 0.61% | 0.60% | +0.01 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 | $374M | $311M | $142M | 2.50% | 14.28% | 4.70% |
| 2026-06-30 | $373M | $306M | $145M | 2.51% | 14.16% | 4.66% |
| 2026-03-31 | $373M | $306M | $147M | 2.19% | 12.32% | 4.57% |
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 | $297.9M | 0.21% | 67 | 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.