First National Bank is a national bank headquartered in Hamilton, Alabama, in business for about 50 years. At the end of Q2 2026 it reported $372.7M in total assets and $305.5M in deposits, with 5 offices.
Based on its Q2 2026 filing, First National Bank scores 97/100, which we describe as very strong. That is higher than 100% of 2,650 banks with $100 million – $1 billion. Among 93 banks headquartered in Alabama, it ranks 1st. Its strongest component is capital cushion (100/100; 18.99%), and its lowest is loan quality (92/100; 0.25%).
TellerScore · Q2 2026
Scorecard
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 (96 → 97).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 97 |
| Q3 2024 | 95 |
| Q4 2024 | 97 |
| Q1 2025 | 97 |
| Q2 2025 | 96 |
| Q3 2025 | 97 |
| Q4 2025 | 97 |
| Q1 2026 | 97 |
| Q2 2026 | 97 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 17.13% |
| Q3 2024 | 17.77% |
| Q4 2024 | 17.97% |
| Q1 2025 | 18.06% |
| Q2 2025 | 18.14% |
| Q3 2025 | 18.57% |
| Q4 2025 | 18.97% |
| Q1 2026 | 19.07% |
| Q2 2026 | 18.99% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.14% |
| Q3 2024 | 0.38% |
| Q4 2024 | 0.22% |
| Q1 2025 | 0.14% |
| Q2 2025 | 0.36% |
| Q3 2025 | 0.18% |
| Q4 2025 | 0.23% |
| Q1 2026 | 0.21% |
| Q2 2026 | 0.25% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.56% |
| Q3 2024 | 2.42% |
| Q4 2024 | 2.35% |
| Q1 2025 | 2.09% |
| Q2 2025 | 2.25% |
| Q3 2025 | 2.32% |
| Q4 2025 | 2.35% |
| Q1 2026 | 2.19% |
| Q2 2026 | 2.51% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 97 | $372.7M | 18.99% | 0.25% | 2.51% | 47.4% |
| Q1 2026 | 97 | $372.9M | 19.07% | 0.21% | 2.19% | 47.9% |
| Q4 2025 | 97 | $370.2M | 18.97% | 0.23% | 2.35% | 49.3% |
| Q3 2025 | 97 | $362.0M | 18.57% | 0.18% | 2.32% | 48.5% |
| Q2 2025 | 96 | $357.7M | 18.14% | 0.36% | 2.25% | 51.5% |
| Q1 2025 | 97 | $364.7M | 18.06% | 0.14% | 2.09% | 50.4% |
| Q4 2024 | 97 | $356.3M | 17.97% | 0.22% | 2.35% | 49.0% |
| Q3 2024 | 95 | $354.3M | 17.77% | 0.38% | 2.42% | 47.8% |
| Q2 2024 | 97 | $350.5M | 17.13% | 0.14% | 2.56% | 47.1% |
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).
Similar-size banks in Alabama
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Premier Bank of the SouthBank Cullman, AL | 72 out of 100, Strong | $370.6M | 9.4% | 0.00% | vs |
| Marion Community BankBank Marion, AL | 51 out of 100, Below average | $364.2M | 9.8% | 2.30% | vs |
| AmeriFirst BankBank Montgomery, AL | 69 out of 100, Moderate | $364.1M | 9.7% | 0.19% | vs |
| Pinnacle BankBank Jasper, AL | 76 out of 100, Strong | $384.5M | 11.3% | 0.02% | vs |
| First State Bank of DeKalb CountyBank Fort Payne, AL | 86 out of 100, Very strong | $353.8M | 14.1% | 0.84% | vs |
| The Exchange Bank of AlabamaBank Altoona, AL | 91 out of 100, Very strong | $392.5M | 15.3% | 0.04% | vs |
Deposit insurance
Is my money safe at First National Bank?
Yes. First National Bank is an FDIC-insured institution (FDIC certificate #22271). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 21.9% of deposits ($66.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 18.99%, 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%).
5 locations
Branches
First National Bank lists 5 offices in 5 cities. Most locations:
- Carbon Hill, AL (1)
- Double Springs, AL (1)
- Haleyville, AL (1)
- Hamilton, AL (1)
- Sulligent, AL (1)
Identity & history
Profile
- Legal name
- First National Bank
- Former names
- First National Bank of Hamilton
- Type
- National bank
- FDIC certificate #
- 22271
- RSSD ID
- 330239
- Primary regulator
- OCC
- Holding company
- Marion County Bancshares Inc
- Established
- May 6, 1976
- Headquarters
- 341 Military St S, Hamilton, AL 35570
- Website
- www.fnbhamilton.com
- Employees
- 82
Quick answers
First National Bank: common questions
Is First National Bank FDIC insured?
Yes. First National Bank is an FDIC-insured institution (FDIC certificate #22271). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First National Bank's TellerScore?
97 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 National Bank ever failed?
There is no failure record for FDIC certificate #22271 in the FDIC failed bank list.
How many branches does First National Bank have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Hamilton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First State Bank of the South, Inc.Bank Sulligent, AL | 89 out of 100, Very strong | $130.7M | 16.4% | 0.24% | vs |
| The Citizens Bank of WinfieldBank Winfield, AL | 83 out of 100, Strong | $301.3M | 17.5% | 0.26% | vs |
| Pinnacle BankBank Jasper, AL | 76 out of 100, Strong | $384.5M | 11.3% | 0.02% | vs |
| PeoplesTrust BankBank Hamilton, AL | 73 out of 100, Strong | $201.2M | 11.1% | 0.45% | vs |
| Listerhill Credit UnionCredit union Sheffield, AL | 69 out of 100, Moderate | $1.5B | 11.1% | 0.62% | vs |
| BankFirst Financial ServicesBank Columbus, MS | 69 out of 100, Moderate | $3.3B | 10.9% | 0.77% | vs |