FNB Of Central Alabama

Headquarters

25 Third Street, N. E.
Aliceville, AL 35442
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.70% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

FNB Of Central Alabama is an FDIC insured institution located in Aliceville, AL. It was founded in 1965 and has approximately $0.29 billion in assets. Customers can open an account at one of its 5 branches.

FDIC Insured Yes
FDIC Certificate # 19468
Date Established 1965
Assets $ 287.84 million
Loans $ 175.89 million
Deposits $ 256.81 million
Capital $ 30.01 million
 

For a more detailed analysis of FNB Of Central Alabama's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 19, 2021

Your Current Location: Connecticut, CT 06828

 

Loan Rates - September 19, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for FNB Of Central Alabama

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 2021

Lender APR Rate (%) Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.654% 2.625%
0.38 points
$958 fees
$1,005 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to FNB Of Central Alabama
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

FNB Of Central 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


FNB Of Central Alabama Locations


Financial Details

FNB Of Central Alabama Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of FNB Of Central 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
FNB Of Central Alabama U.S. Bank Average
0.6% 5.29%

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, 2021, FNB Of Central Alabama had $194,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $30,012,000 in equity and $2,328,000 in loans loss reserves. That gives it a Texas Ratio of 0.6%.

Return on Equity
FNB Of Central Alabama U.S. Bank Average
7.73% 11.43%

FNB Of Central Alabama has a Return on Equity of 7.73% versus the BestCashCow average of 11.43%. 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
FNB Of Central Alabama U.S. Bank Average
10.43% 11.51%

FNB Of Central Alabama has a Capitalization of 10.43% versus the BestCashCow average of 11.51. 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.

FNB Of Central Alabama Balance Sheet Analysis

As of March 31, 2019, FNB Of Central Alabama had assets of $289,487,000, loans of $175,892,000, and deposits of $256,810,000. 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, 2021
ASSETS
Cash & Balances due from depository institutions $ 35.83 million
Interest-bearing balances $ 31.55 million
Total securities $ 55.64 million
Federal funds sold and reverse repurchase $ 3.15 million
Net loans and leases $ 175.89 million
Loan loss allowance $ 2.33 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 $ 11.21 million
     Total Assets $ 259.48 million
LIABILITIES
Total deposits $ 256.81 million
      Interest-bearing deposits $ 187.13 million
      Deposits held in domestic offices $ 256.81 million
      % insured (estimated) 70.43%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 2.67 million
      Total Liabilities $ 259.48 million
      Shareholders’ Equity $ 28.36 million

Summary Income Statement

March 31, 2021
INCOME AND EXPENSES
Total Interest Income $ 2.88 million
Total Interest Expense $ 0.38 million
Net interest income $ 2.50 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.36 million
Total non interest expense $ 4.13 million
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in FNB Of Central Alabama’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Alabama, FNB Of Central Alabama has a significantly higher percent of Multifamily Mortgages, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

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 20.47
Multifamily
Mortgages
6.97
Credit Card Loans 0.00
Consumer Auto Loans 0.31
Small Business Loans 0.00
Construction and Development Loans 7.92
Commercial Real Estate 39.57
Commercial and Industrial Loans 21.69
Farm Loans 1.13

Frequently Asked Questions About Fnb Of Central Alabama

Branches and Savings

Is Fnb Of Central Alabama FDIC insured?

Yes. It is covered under FDIC Certificate #19468.

Why does Fnb Of Central Alabama pay such low interest on savings accounts?

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

Why are Fnb Of Central Alabama CD rates not competitive?

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

Is Fnb Of Central Alabama a commercial bank?

Yes

Where are Fnb Of Central Alabama locations?

See branch locations nearby.

Is Fnb Of Central Alabama open on Saturdays?

Is Fnb Of Central Alabama open on Sundays?

What time does Fnb Of Central Alabama open?

What time does Fnb Of Central Alabama close?

Are Fnb Of Central Alabama ATMs Open 24/7?

Do Fnb Of Central Alabama ATMs accept cash deposits?

Can Fnb Of Central Alabama customers use other ATMs?

Do Fnb Of Central Alabama branches have notaries?

Will Fnb Of Central Alabama notarize my document?

What address for Fnb Of Central Alabama should I put for incoming ACH transfers?

Will the Fnb Of Central Alabama branch print checks?

Do Fnb Of Central Alabama checks expire?

Does Fnb Of Central Alabama require US citizenship to open account?

Can Fnb Of Central Alabama close my account?

Does Fnb Of Central Alabama Report to credit bureaus?

Does Fnb Of Central Alabama Use Equifax?

What is Fnb Of Central Alabama's ACH Routing Number?

What is Fnb Of Central Alabama's SWIFT code?

Products

Does Fnb Of Central Alabama offer mortgages?

Compare mortgage rates here.

Does Fnb Of Central Alabama offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Fnb Of Central Alabama offer personal loans?

Compare personal loan rates here.

Does Fnb Of Central Alabama offer student loans?

Will Fnb Of Central Alabama cash a check?

Will Fnb Of Central Alabama redeem a savings bond?

Does Fnb Of Central Alabama cash savings bonds?

Will Fnb Of Central Alabama cash money orders?

Can Fnb Of Central Alabama issue a money order?

Does Fnb Of Central Alabama do currency exchange?

Background on The Bank

Who owns Fnb Of Central Alabama?

How long has Fnb Of Central Alabama been around?

Can Fnb Of Central Alabama transfer to other banks?

Does Fnb Of Central Alabama have quick pay?

Does Fnb Of Central Alabama accept rolled coins?

Will Fnb Of Central Alabama accept loose change?

Where is Fnb Of Central Alabama headquarters?

Customer Reviews for FNB Of Central Alabama

There are currently no comments for FNB Of Central Alabama. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →