TellerScore

First Bank of Boaz is a state-chartered bank headquartered in Boaz, Alabama, in business for about 120 years. At the end of Q2 2026 it reported $239.8M in total assets and $208.0M in deposits, with 1 office.

First Bank of Boaz has a TellerScore of 88 out of 100 (very strong) based on Q2 2026 data — higher than 92% of its 2,650 banks with $100 million – $1 billion. Among 93 banks headquartered in Alabama, it ranks 7th. Capital cushion contributes the most (100/100, 19.66%); earnings contributes the least (54/100, 0.85%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 19.66%
Loan quality98/100
Noncurrent loans ÷ total loans: 0.05%
Earnings54/100
Return on assets (annualized): 0.85%
Funding & liquidity85/100
Loans ÷ deposits and uninsured-deposit share: 33.2% · 29.0% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.11%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (88 → 88).

TellerScore
848789Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202484
Q3 202484
Q4 202485
Q1 202587
Q2 202588
Q3 202589
Q4 202589
Q1 202688
Q2 202688
Tier 1 leverage ratio
5.00%13.03%21.06%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202420.65%
Q3 202420.28%
Q4 202421.06%
Q1 202518.93%
Q2 202519.00%
Q3 202519.33%
Q4 202519.88%
Q1 202619.98%
Q2 202619.66%
Noncurrent loans
0.00%0.29%0.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.58%
Q3 20240.57%
Q4 20240.53%
Q1 20250.07%
Q2 20250.07%
Q3 20250.01%
Q4 20250.00%
Q1 20260.04%
Q2 20260.05%
Return on assets
0.69%0.82%0.94%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.87%
Q3 20240.90%
Q4 20240.93%
Q1 20250.69%
Q2 20250.84%
Q3 20250.94%
Q4 20250.94%
Q1 20260.76%
Q2 20260.85%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202688$239.8M19.66%0.05%0.85%33.2%
Q1 202688$237.2M19.98%0.04%0.76%33.3%
Q4 202589$238.2M19.88%0.00%0.94%33.4%
Q3 202589$246.9M19.33%0.01%0.94%30.4%
Q2 202588$241.3M19.00%0.07%0.84%31.1%
Q1 202587$251.8M18.93%0.07%0.69%30.8%
Q4 202485$240.1M21.06%0.53%0.93%32.5%
Q3 202484$248.2M20.28%0.57%0.90%32.8%
Q2 202484$252.5M20.65%0.58%0.87%31.4%

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 ratio19.66%
96th
Total risk-based capital0.00%
24th
Problem loans0.05%
79th
Net charge-offs-0.01%
90th
Return on assets0.85%
26th
Net interest margin2.67%
5th
Efficiency ratio62.1%
51st
Loans to deposits33.2%
98th
Uninsured deposits29.0%
32nd
Loan-loss reserves1.47%
77th
Texas ratio0.1%
85th

Similar-size banks in Alabama

InstitutionScoreAssetsCapitalProblem loansCompare
The First National Bank and TrustBank Atmore, AL74 out of 100, Strong$238.6M11.5%0.10%vs
The Citizens BankBank Enterprise, AL70 out of 100, Strong$233.3M10.6%0.42%vs
First Financial BankBank Bessemer, AL61 out of 100, Moderate$248.1M10.7%1.52%vs
Community Spirit BankBank Red Bay, AL77 out of 100, Strong$228.8M9.7%0.00%vs
BankSouthBank Dothan, AL84 out of 100, Strong$221.5M19.1%0.02%vs
Liberty BankBank Geraldine, AL81 out of 100, Strong$258.6M11.3%0.15%vs

Deposit insurance

Is my money safe at First Bank of Boaz?

Yes. First Bank of Boaz is an FDIC-insured institution (FDIC certificate #2784). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.0% of deposits ($60.2M) 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 19.66%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

First Bank of Boaz lists 1 office in 1 city. Most locations:

  • Boaz, AL (1)

All branch addresses and map

Identity & history

Profile

Legal name
First Bank of Boaz
Former names
The National Bank of Boaz
Type
State-chartered bank
FDIC certificate #
2784
RSSD ID
533535
Primary regulator
FDIC
Holding company
First Boaz Bcorp
Established
January 1, 1906
Headquarters
124 S Main St, Boaz, AL 35957
Employees
23

Quick answers

First Bank of Boaz: common questions

Is First Bank of Boaz FDIC insured?

Yes. First Bank of Boaz is an FDIC-insured institution (FDIC certificate #2784). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Bank of Boaz's TellerScore?

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

Has First Bank of Boaz ever failed?

There is no failure record for FDIC certificate #2784 in the FDIC failed bank list.

How many branches does First Bank of Boaz have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Boaz

InstitutionScoreAssetsCapitalProblem loansCompare
Family Security Credit UnionCredit union Decatur, AL95 out of 100, Very strong$1.1B19.9%0.61%vs
The Exchange Bank of AlabamaBank Altoona, AL91 out of 100, Very strong$392.5M15.3%0.04%vs
First State Bank of DeKalb CountyBank Fort Payne, AL86 out of 100, Very strong$353.8M14.1%0.84%vs
Redstone Federal Credit UnionCredit union Huntsville, AL85 out of 100, Very strong$8.6B13.9%0.70%vs
Liberty BankBank Geraldine, AL81 out of 100, Strong$258.6M11.3%0.15%vs
Metro BankBank Pell City, AL80 out of 100, Strong$1.2B14.7%1.18%vs