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.

The score has been essentially flat from Q2 2025 to Q2 2026 (74 → 74).

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

Similar-size banks in Alabama

Yes. First Cahawba Bank is an FDIC-insured institution (FDIC certificate #58636). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 33.0% of deposits ($61.6M) 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 10.81%, 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

First Cahawba Bank lists 5 offices in 4 cities. Most locations:

• Selma, AL (2)
• Gulf Shores, AL (1)
• Oxford, AL (1)
• Troy, AL (1)

All branch addresses and map

In 2025, First Cahawba Bank reported 76 home-loan applications under HMDA (LEI 254900W5FNEFKJ3R5088): 55 originated ($14,945,000 total), 15 denied, and 6 withdrawn or closed by the applicant. Its denial rate on decided applications was 21.4%, 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.

Legal name

First Cahawba Bank

Type

State-chartered bank

FDIC certificate #

58636

RSSD ID

3633016

Primary regulator

FDIC

Holding company

First Cahawba Bancshares Inc

Established

September 10, 2007

Headquarters

2610 Citizens Pkwy, Selma, AL 36701

Website

www.firstcahawba.com

Employees

42