First Commercial Bank of Huntsville

Headquarters

301 Washington Street
Huntsville, AL 35801
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.05% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

First Commercial Bank of Huntsville is an FDIC insured institution located in Huntsville, AL. It was founded in 1984 and has approximately $0.74 billion in assets.

FDIC Insured Yes
FDIC Certificate # 25645
Date Established 1984
Assets $ 727.87 million
Loans $ 511.21 million
Deposits $ 616.16 million
Capital $ 59.72 million
 

For a more detailed analysis of First Commercial Bank of Huntsville's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 24, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - September 24, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for First Commercial Bank of Huntsville

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

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Payment
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Rocket Mortgage
NMLS ID: 3030
4.114% 3.990% 1.00 $3,750 $1,193 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.815% 2.750% 0.88 $2,128 $1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
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4.000 %
$0 Learn More
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Third Federal Savings and Loans
Third Federal Savings and Loans
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2.990 %
$0 Learn More
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Note to First Commercial Bank of Huntsville
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Branches

First Commercial Bank of Huntsville branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


First Commercial Bank of Huntsville Locations


Financial Details

First Commercial Bank of Huntsville Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Commercial Bank of Huntsville. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
First Commercial Bank of Huntsville U.S. Bank Average
16.12% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, First Commercial Bank of Huntsville had $11,903,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $59,724,000 in equity and $14,103,000 in loans loss reserves. That gives it a Texas Ratio of 16.12%.

Return on Equity
First Commercial Bank of Huntsville U.S. Bank Average
9.75% 7.80%

First Commercial Bank of Huntsville has a Return on Equity of 9.75% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
First Commercial Bank of Huntsville U.S. Bank Average
8.21% 12.68%

First Commercial Bank of Huntsville has a Capitalization of 8.21% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

First Commercial Bank of Huntsville Balance Sheet Analysis

As of November 30, -0001, First Commercial Bank of Huntsville had assets of $742,819,000, loans of $511,212,000, and deposits of $616,155,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 511.21 million
Loan loss allowance $ 14.10 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 616.16 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 727.87 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in First Commercial Bank of Huntsville’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, First Commercial Bank of Huntsville’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.00
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About First Commercial Bank Of Huntsville

Branches and Savings

Is First Commercial Bank Of Huntsville FDIC insured?

Yes. It is covered under FDIC Certificate #25645.

Why does First Commercial Bank Of Huntsville pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are First Commercial Bank Of Huntsville CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is First Commercial Bank Of Huntsville a commercial bank?

Yes

Where are First Commercial Bank Of Huntsville locations?

See branch locations nearby.

Is First Commercial Bank Of Huntsville open on Saturdays?

Is First Commercial Bank Of Huntsville open on Sundays?

What time does First Commercial Bank Of Huntsville open?

What time does First Commercial Bank Of Huntsville close?

Are First Commercial Bank Of Huntsville ATMs Open 24/7?

Do First Commercial Bank Of Huntsville ATMs accept cash deposits?

Can First Commercial Bank Of Huntsville customers use other ATMs?

Do First Commercial Bank Of Huntsville branches have notaries?

Will First Commercial Bank Of Huntsville notarize my document?

What address for First Commercial Bank Of Huntsville should I put for incoming ACH transfers?

Will the First Commercial Bank Of Huntsville branch print checks?

Do First Commercial Bank Of Huntsville checks expire?

Does First Commercial Bank Of Huntsville require US citizenship to open account?

Can First Commercial Bank Of Huntsville close my account?

Does First Commercial Bank Of Huntsville Report to credit bureaus?

Does First Commercial Bank Of Huntsville Use Equifax?

What is First Commercial Bank Of Huntsville's ACH Routing Number?

What is First Commercial Bank Of Huntsville's SWIFT code?

Products

Does First Commercial Bank Of Huntsville offer mortgages?

Compare mortgage rates here.

Does First Commercial Bank Of Huntsville offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First Commercial Bank Of Huntsville offer personal loans?

Compare personal loan rates here.

Does First Commercial Bank Of Huntsville offer student loans?

Will First Commercial Bank Of Huntsville cash a check?

Will First Commercial Bank Of Huntsville redeem a savings bond?

Does First Commercial Bank Of Huntsville cash savings bonds?

Will First Commercial Bank Of Huntsville cash money orders?

Can First Commercial Bank Of Huntsville issue a money order?

Does First Commercial Bank Of Huntsville do currency exchange?

Background on The Bank

Who owns First Commercial Bank Of Huntsville?

How long has First Commercial Bank Of Huntsville been around?

Can First Commercial Bank Of Huntsville transfer to other banks?

Does First Commercial Bank Of Huntsville have quick pay?

Does First Commercial Bank Of Huntsville accept rolled coins?

Will First Commercial Bank Of Huntsville accept loose change?

Where is First Commercial Bank Of Huntsville headquarters?

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