TellerScore

AmeriFirst Bank is a state-chartered bank headquartered in Montgomery, Alabama, in business for about 110 years. At the end of Q2 2026 it reported $364.1M in total assets and $325.1M in deposits, with 6 offices.

AmeriFirst Bank has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 40% of its 2,650 banks with $100 million – $1 billion. Among 93 banks headquartered in Alabama, it ranks 54th. Loan quality contributes the most (94/100, 0.19%); capital cushion contributes the least (47/100, 9.66%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Tier 1 leverage ratio: 9.66%
Loan quality94/100
Noncurrent loans ÷ total loans: 0.19%
Earnings69/100
Return on assets (annualized): 1.23%
Funding & liquidity60/100
Loans ÷ deposits and uninsured-deposit share: 85.3% · 28.0% uninsured
Problem-loan coverage90/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.13%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (67 → 69), mostly because the loan quality component improved by 14 points.

TellerScore
646872Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202470
Q4 202464
Q1 202565
Q2 202567
Q3 202570
Q4 202567
Q1 202668
Q2 202669
Tier 1 leverage ratio
5.00%7.76%10.52%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.52%
Q3 20249.40%
Q4 20249.33%
Q1 20259.56%
Q2 20259.72%
Q3 20259.45%
Q4 20259.04%
Q1 20269.33%
Q2 20269.66%
Noncurrent loans
0.11%0.38%0.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.20%
Q3 20240.20%
Q4 20240.62%
Q1 20250.66%
Q2 20250.61%
Q3 20250.12%
Q4 20250.14%
Q1 20260.11%
Q2 20260.19%
Return on assets
1.08%1.16%1.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.08%
Q3 20241.12%
Q4 20241.10%
Q1 20251.13%
Q2 20251.18%
Q3 20251.20%
Q4 20251.18%
Q1 20261.17%
Q2 20261.23%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$364.1M9.66%0.19%1.23%85.3%
Q1 202668$360.6M9.33%0.11%1.17%85.4%
Q4 202567$356.8M9.04%0.14%1.18%85.5%
Q3 202570$355.3M9.45%0.12%1.20%82.4%
Q2 202567$346.2M9.72%0.61%1.18%83.4%
Q1 202565$357.5M9.56%0.66%1.13%80.6%
Q4 202464$334.3M9.33%0.62%1.10%87.0%
Q3 202470$343.7M9.40%0.20%1.12%78.5%
Q2 202472$316.9M10.52%0.20%1.08%85.9%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.66%
25th
Total risk-based capital13.10%
57th
Problem loans0.19%
66th
Net charge-offs0.09%
21st
Return on assets1.23%
49th
Net interest margin4.61%
83rd
Efficiency ratio60.3%
56th
Loans to deposits85.3%
37th
Uninsured deposits28.0%
35th
Loan-loss reserves1.17%
47th
Texas ratio5.1%
35th

Similar-size banks in Alabama

InstitutionScoreAssetsCapitalProblem loansCompare
Marion Community BankBank Marion, AL51 out of 100, Below average$364.2M9.8%2.30%vs
Premier Bank of the SouthBank Cullman, AL72 out of 100, Strong$370.6M9.4%0.00%vs
First National BankBank Hamilton, AL97 out of 100, Very strong$372.7M19.0%0.25%vs
First State Bank of DeKalb CountyBank Fort Payne, AL86 out of 100, Very strong$353.8M14.1%0.84%vs
FirstState BankBank Lineville, AL70 out of 100, Strong$349.4M11.1%0.72%vs
Pinnacle BankBank Jasper, AL76 out of 100, Strong$384.5M11.3%0.02%vs

Deposit insurance

Is my money safe at AmeriFirst Bank?

Yes. AmeriFirst Bank is an FDIC-insured institution (FDIC certificate #2838). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 28.0% of deposits ($91.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.66%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.10% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

AmeriFirst Bank lists 6 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, AmeriFirst Bank reported 84 home-loan applications under HMDA (LEI 2549002AOWUCD3BSTP80): 74 originated ($18,980,000 total), 5 denied, and 5 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
AmeriFirst Bank
Former names
Amerifirst Bank, National Association; The American National Bank of Union Springs
Type
State-chartered bank
FDIC certificate #
2838
RSSD ID
139133
Primary regulator
FDIC
Holding company
Usal Bcorp Inc
Established
January 2, 1916
Headquarters
8165 Vaughn Rd, Montgomery, AL 36116
Employees
52

Quick answers

AmeriFirst Bank: common questions

Is AmeriFirst Bank FDIC insured?

Yes. AmeriFirst Bank is an FDIC-insured institution (FDIC certificate #2838). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is AmeriFirst Bank's TellerScore?

69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has AmeriFirst Bank ever failed?

There is no failure record for FDIC certificate #2838 in the FDIC failed bank list.

How many branches does AmeriFirst Bank have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Montgomery

InstitutionScoreAssetsCapitalProblem loansCompare
Max Credit UnionCredit union Montgomery, AL89 out of 100, Very strong$2.4B14.5%0.68%vs
Southern Energy Credit UnionCredit union Birmingham, AL84 out of 100, Strong$3.6B14.6%0.23%vs
Alabama State Employees Credit UnionCredit union Montgomery, AL80 out of 100, Strong$471.2M12.0%0.31%vs
Fedmont Federal Credit UnionCredit union Montgomery, AL75 out of 100, Strong$13.0M13.4%0.52%vs
First Community Bank of Central AlabamaBank Wetumpka, AL74 out of 100, Strong$694.3M8.6%0.10%vs
Metro City BankBank Doraville, GA73 out of 100, Strong$4.5B11.1%0.44%vs