|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 First Bank Wadley, AL Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 3, 2026
First Bank Wadley, AL's money market rates are at 2.63%. First Bank Wadley, AL's Personal Loan Rates are at 3.99%. MonitorBankRates evaluates the financial stability of First Bank Wadley, AL with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.14%. Rates were last updated on 04/03/2026. First Bank Wadley, AL 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 Wadley, AL? Share your experience about First Bank Wadley, AL by leaving a review below, or read customer reviews before you decide to use First Bank Wadley, AL. 
First Bank Wadley, AL Money Market Rates
First Bank Wadley, AL Checking Rates
First Bank Wadley, AL Auto Loan Rates
First Bank Wadley, AL Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for First Bank Wadley, AL 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 Wadley, AL 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 Wadley, AL's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
First Bank Wadley, AL
Bank Holding Company
PEOPLES IND BANCSHARES INC
Address
312 Main Street,
Wadley, AL 36276 · Randolph
Website
https://www.fbonline.biz/
FDIC Certificate #
1744
Established
11/06/1907
FDIC Insurance Date
01/01/1934
Domestic Offices
5
Total Branches
0
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 99/100
5.0
Exceptional
Out of 5.0 Stars
1.14%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
1.4791%
Return on Equity (ROE)
26.4200%
Non-Performing Loans (NPL)
0.06%
Total Assets
$126,241,000
Total Deposits
$118,849,000
Equity Capital
$6,766,000
Net Income
$1,414,000
Headquarters
Wadley
Total Offices
5
Source: FDIC | Last Updated 09/30/2023
Frequently Asked Questions About First Bank Wadley, ALIs First Bank Wadley, AL a safe place to deposit money?Yes, First Bank Wadley, AL is considered a safe financial institution. With a Texas Ratio of 1.1380431569613%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. How many branches does First Bank Wadley, AL operate?First Bank Wadley, AL currently maintains approximately multiple 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 Wadley, AL 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 Wadley, AL provides members with tools to manage their accounts and build a solid financial history. Does First Bank Wadley, AL offer online and mobile banking?Most modern institutions like First Bank Wadley, AL 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.fbonline.biz/. Current First Bank Wadley, AL Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Banks
Community State Bank (IA)
Security Bank and Trust Co.
Asian Bank
Upper Peninsula State Bank
Bank of the Mountains
Black Hills Community Bank
Lauderdale County Bank
cfsbank
MNB of Eveleth
Pacific Western Bank
Fsnb
FirstState Bank Lineville, AL
Sumitomo Mitsui Trust Bank U.S.A.
The Union Bank of Mena
Compass Savings Bank
Defiance State Bank
Pocahontas State Bank
Charlotte State Bank & Trust
First Merchants Bank
Community State Bank Shelbina, MO
Security Bank & Trust Company MN
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||
