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First Bank of Alabama

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First Bank of Alabama Rates & Review September 2026

Q: How many branches does First Bank of Alabama operate?

First Bank of Alabama currently maintains approximately 18 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, First Bank of Alabama does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Bank of Alabama provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

First Bank of Alabama rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.85%, 6-month CD rates at 2.75% and 3-month CD rates at 2.56%. Savings rates are at 0.89% and money market rates are at 1.22%. Mortgage rates on 30-year fixed loans are around 7.01%. These rates come from our rate database, not First Bank of Alabama, and you can see how they compare in the First Bank of Alabama rate tables below. MonitorBankRates evaluates the financial stability of First Bank of Alabama with a 4.0 Star Rating, an C+ Overall Health Grade, and a Texas Ratio of 26.59%. Database rates last updated and verified on 09/23/2026.

First Bank of Alabama money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Bank of Alabama? Share your experience about First Bank of Alabama by leaving a review below, or read customer reviews before you decide to use First Bank of Alabama.

Overall Health & Safety Grade

C+

Fair Health Score: 77/100

MonitorBankRates Rating

4.0

Excellent Out of 5.0 Stars

Texas Ratio

26.59%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

First Bank of Alabama

120 North St E
Talladega, AL 35160

https://www.fbal.bank

Current Rate Availability

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Financial Health History

First Bank of Alabama’s Texas Ratio rose from 6.51% in Q3 2023 to 26.59% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 3.9 to 4.0 and its Health Grade from B to C+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.4B	26.59%	4.0	C+
March 31, 2026	$1.4B	24.64%	4.2	C+
December 31, 2025	$1.2B	27.32%	4.0	C
September 30, 2025	$1.1B	9.09%	5.0	A
June 30, 2025	$1.1B	3.93%	5.0	A+
March 31, 2025	$1.1B	10.80%	5.0	A
December 31, 2024	$1.1B	21.68%	4.4	B-
September 30, 2024	$1.1B	15.13%	5.0	A-
June 30, 2024	$1.1B	7.26%	5.0	A
March 31, 2024	$1.0B	9.30%	4.9	A
December 31, 2023	$985M	4.72%	4.8	A
September 30, 2023	$963M	6.51%	3.9	B

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for First Bank of Alabama is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather First Bank of Alabama rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with First Bank of Alabama's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First Bank of Alabama

Bank Holding Company FIRSTBANC OF ALABAMA INC

Address 120 North St E, Talladega, AL 35160 · Talladega

Website https://www.fbal.bank

FDIC Certificate # 2832

Established 18480101

FDIC Insurance Date 19340101

Domestic Offices 18

Total Branches 18

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

C+

Overall Health Grade Score: 77/100

4.0

Excellent Out of 5.0 Stars

26.59%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.3089%

Return on Equity (ROE) 16.4500%

Non-Performing Loans (NPL) 2.02%

Total Assets $1,362,045,000

Total Deposits $1,213,912,000

Equity Capital $112,106,000

Net Income $8,586,000

Headquarters Talladega

Total Branches and Offices 18

Source: FDIC | Last Updated 06/30/2026

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Total Reviews

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Frequently Asked Questions About First Bank of Alabama

How many branches does First Bank of Alabama operate?

First Bank of Alabama currently maintains approximately 18 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, First Bank of Alabama does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Bank of Alabama provides members with tools to manage their accounts and build a solid financial history.

Does First Bank of Alabama offer online and mobile banking?

Most modern institutions like First Bank of Alabama provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fbal.bank.