FDIC Cert #2838 · Montgomery, Alabama · Est. 1916

AmeriFirst Bank - FDIC Bank Health Profile

A community-scale look at AmeriFirst Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$357M
Total assets
A
Health grade · Excellent
1.18%
Return on assets
11.3%
Tier 1 capital

Data updated July 2026

The verdict

AmeriFirst Bank earns a PlainBankData health grade of A (80/100), with well-capitalized at 11.33% Tier 1, profitable at 1.18% ROA, efficient (59% cost ratio).

#2,252
largest of 4,313 FDIC banks by assets
48th
percentile by asset size, nationally
11.33%
Tier 1 ratio - above the 10% well-capitalized line
56th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 2838 · AL A · 80/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-A A (80/100)
  • MID-PACK #2004/4307
  • PHOTO-FINISH The First National B… · KY
  • TIER1-WELL 11.3% Tier 1
  • TEXAS-CLEAN 1.1% Texas
  • ROA-PAR 1.18% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Alabama: The First National Bank of Russell Springs, KY (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around AmeriFirst Bank

Lowest and highest poles plus nearest scored peers outside Alabama, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100AmeriFirst Bank · AL · this …80/100Carson Community Bank · OK ·…80/100Pathway Bank · NE · near80/100The First National B… · KY ·…80/100The Liberty National… · TX ·…80/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around AmeriFirst Bank · July 2026

What AmeriFirst Bank's Call Report plate shows

AmeriFirst Bank (FDIC Cert #2838) carries a PlainBankData health grade of A at 80/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,004 of 4,307. Tier 1 capital prints at 11.33%, clearing the 10% well-capitalized line. The Texas Ratio is 1.09%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.18%. Balance-sheet scale is $357M, 2,252nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The First National Bank of Russell Springs (KY), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around AmeriFirst Bank

7 FAILURE resolutions in Alabama since 2000 (7 since 2008)

AmeriFirst Bank's home state sits in the middle band of post-2000 FAILURE counts (7; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; AmeriFirst Bank remains an active FDIC-insured reporter.

  • ALABAMA TRUST BANK, NATIONAL ASSOCIATION SYLACAUGA, AL 2012 → SOUTHERN STATES BANK
  • SUPERIOR BANK BIRMINGHAM, AL 2011 → SUPERIOR BANK, N.A.
  • NEXITY BANK BIRMINGHAM, AL 2011 → ALOSTAR BANK OF COMMERCE

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Alabama banks.

How AmeriFirst Bank's 80/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10080/100
AmeriFirst Bank's composite health score
Tier 1 Capital Ratio (11.33%) 28/40
Return on Assets (ROA) (1.18%) 20/25
Texas Ratio (1.09%) 20/20
Efficiency Ratio (59.44%) 12/15

80 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$357M

Total balance-sheet footings

Total Deposits

$320M

Customer-funded liabilities

Net Loans

$273M

Outstanding loan book

Net Income

$4M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.93% 11.33% 12.73%
Basel III capital ratios - AmeriFirst Bank

Where AmeriFirst Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. AmeriFirst Bank's score of 80/100 falls in the highlighted band.

AmeriFirst Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

80 Top 47% higher than 53% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. AmeriFirst Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

AmeriFirst Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). AmeriFirst Bank's $357M falls in the highlighted band.

Safety ratios for AmeriFirst Bank

Tier 1 capital ratio
Well-capitalized 10%

11.33% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.33%
Texas Ratio
1.09%
Equity Capital
$33M

What these ratios mean →

Earnings posture at AmeriFirst Bank

Return on Assets (ROA)
56th percentile nationally
1.18%
Return on Equity (ROE)
12.74%
Efficiency Ratio
59.44%

What these mean →

Income & expense at AmeriFirst Bank

$20M
Interest Income
$1M
Non-Interest Income
$10M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. AmeriFirst Bank reports a Texas Ratio of 1.09% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.09% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View AmeriFirst Bank on FDIC BankFind →

Top banks in Alabama by total assets

Largest banks headquartered in Alabama
  1. 1
    Regions Bank $157.4B

    Birmingham, AL · Grade A

  2. 2
    ServisFirst Bank $17.7B

    Birmingham, AL · Grade A

  3. 3
    River Bank & Trust $3.8B

    Prattville, AL · Grade A

  4. 4
    Bank Independent $3.0B

    Sheffield, AL · Grade B

  5. 5
    Bryant Bank $2.9B

    Tuscaloosa, AL · Grade A

Top 5 banks in Alabama ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($357M here), outside Alabama so the neighborhood is not state containment.

One American Bank $357M · SD The Hocking Valley Bank $356M · OH Founders Bank $357M · DC The First National Bank of Oneida $357M · TN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) AmeriFirst Bank (FDIC Cert #2838) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

AmeriFirst Bank Call Report profile · FDIC Failed Bank List · Alabama FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Alabama

All Alabama banks →
BankAssetsGradeROA
Regions BankBirmingham $157.4B A 1.43%
ServisFirst BankBirmingham $17.7B A 1.58%
River Bank & TrustPrattville $3.8B A 1.18%
Bank IndependentSheffield $3.0B B 1.01%
Bryant BankTuscaloosa $2.9B A 1.69%
CB&S Bank, Inc.Russellville $2.9B C 0.85%
Oakworth Capital BankBirmingham $2.0B B 1.17%
Troy Bank & Trust CompanyTroy $1.6B A 1.34%