First National Bankers Bank, Alabama

Headquarters

600 University Park Place Suite 380
Homewood, AL 35209
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.40% →
1-Year CD N.A. 1.15% →
2-Year CD N.A. 1.26% →
5-Year CD N.A. 1.56% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

First National Bankers Bank, Alabama is an FDIC insured institution located in Homewood, AL. It was founded in 2004 and has approximately $0.22 billion in assets.

FDIC Insured Yes
FDIC Certificate # 57840
Date Established 2004
Assets $ 224.37 million
Loans $ 147.93 million
Deposits $ 74.53 million
Capital $ 38.19 million
 

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

Deposit Rates - July 10, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - July 10, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for First National Bankers Bank, Alabama

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




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Note to First National Bankers Bank, Alabama
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Branches

First National Bankers Bank, Alabama 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 National Bankers Bank, Alabama Locations


Financial Details

First National Bankers Bank, Alabama Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First National Bankers Bank, Alabama. 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 National Bankers Bank, Alabama U.S. Bank Average
20.96% 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 National Bankers Bank, Alabama had $4,981,000 in non-current loans and $3,527,000 in owned real estate. To cover these potential losses it had $38,185,000 in equity and $2,405,000 in loans loss reserves. That gives it a Texas Ratio of 20.96%.

Return on Equity
First National Bankers Bank, Alabama U.S. Bank Average
0.13% 7.80%

First National Bankers Bank, Alabama has a Return on Equity of 0.13% 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 National Bankers Bank, Alabama U.S. Bank Average
17.02% 12.68%

First National Bankers Bank, Alabama has a Capitalization of 17.02% 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 National Bankers Bank, Alabama Balance Sheet Analysis

As of December 31, 2010, First National Bankers Bank, Alabama had assets of $224,367,000, loans of $147,929,000, and deposits of $74,531,000. 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 $ 147.93 million
Loan loss allowance $ 2.41 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 3.53 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 74.53 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 $ 224.37 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 National Bankers Bank, Alabama’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, First National Bankers Bank, Alabama’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 National Bankers Bank, Alabama

Branches and Savings

Is First National Bankers Bank, Alabama FDIC insured?

Yes. It is covered under FDIC Certificate #57840.

Why does First National Bankers Bank, Alabama pay such low interest on savings accounts?

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

Why are First National Bankers Bank, Alabama CD rates not competitive?

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

Is First National Bankers Bank, Alabama a commercial bank?

Yes

Where are First National Bankers Bank, Alabama locations?

See branch locations nearby.

Is First National Bankers Bank, Alabama open on Saturdays?

Is First National Bankers Bank, Alabama open on Sundays?

What time does First National Bankers Bank, Alabama open?

What time does First National Bankers Bank, Alabama close?

Are First National Bankers Bank, Alabama ATMs Open 24/7?

Do First National Bankers Bank, Alabama ATMs accept cash deposits?

Can First National Bankers Bank, Alabama customers use other ATMs?

Do First National Bankers Bank, Alabama branches have notaries?

Will First National Bankers Bank, Alabama notarize my document?

What address for First National Bankers Bank, Alabama should I put for incoming ACH transfers?

Will the First National Bankers Bank, Alabama branch print checks?

Do First National Bankers Bank, Alabama checks expire?

Does First National Bankers Bank, Alabama require US citizenship to open account?

Can First National Bankers Bank, Alabama close my account?

Does First National Bankers Bank, Alabama Report to credit bureaus?

Does First National Bankers Bank, Alabama Use Equifax?

What is First National Bankers Bank, Alabama's ACH Routing Number?

What is First National Bankers Bank, Alabama's SWIFT code?

Products

Does First National Bankers Bank, Alabama offer mortgages?

Compare mortgage rates here.

Does First National Bankers Bank, Alabama offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First National Bankers Bank, Alabama offer personal loans?

Compare personal loan rates here.

Does First National Bankers Bank, Alabama offer student loans?

Will First National Bankers Bank, Alabama cash a check?

Will First National Bankers Bank, Alabama redeem a savings bond?

Does First National Bankers Bank, Alabama cash savings bonds?

Will First National Bankers Bank, Alabama cash money orders?

Can First National Bankers Bank, Alabama issue a money order?

Does First National Bankers Bank, Alabama do currency exchange?

Background on The Bank

Who owns First National Bankers Bank, Alabama?

How long has First National Bankers Bank, Alabama been around?

Can First National Bankers Bank, Alabama transfer to other banks?

Does First National Bankers Bank, Alabama have quick pay?

Does First National Bankers Bank, Alabama accept rolled coins?

Will First National Bankers Bank, Alabama accept loose change?

Where is First National Bankers Bank, Alabama headquarters?

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