Side-by-side · Q2 2026 data
AmeriFirst Bank vs First Community Bank of Central Alabama
Metric by metric
| Measure | AmeriFirst Bank | First Community Bank of Central Alabama |
|---|---|---|
| TellerScore | 69 | 74 (stronger) |
| Capital cushion | 47 (stronger) | 36 |
| Loan quality | 94 | 97 (stronger) |
| Earnings | 69 | 100 (stronger) |
| Funding & liquidity | 60 | 61 (stronger) |
| Problem-loan coverage | 90 | 97 (stronger) |
| Peer percentile | 40th | 57th |
| Total assets | $364.1M | $694.3M |
| Deposits / shares | $325.1M | $638.3M |
| Capital ratio | 9.66% (stronger) | 8.57% |
| Problem loans | 0.19% | 0.10% (stronger) |
| Net charge-offs | 0.09% | 0.02% (stronger) |
| Return on assets | 1.23% | 2.44% (stronger) |
| Loans ÷ deposits | 85.3% | 77.7% (stronger) |
| Uninsured deposits | 28.0% (stronger) | 34.6% |
| Offices | 6 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.3% | — |
First Community Bank of Central Alabama has the higher TellerScore (74 vs 69). On the 7 directional measures above (where higher or lower is clearly better), AmeriFirst Bank leads on 2 and First Community Bank of Central Alabama on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.