RANKING ·
Largest net interest margin improvement in Alabama
81 of 93 banks in Alabama that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets and a comparable quarter a year earlier. Institutions with equal values share a rank. Source: FDIC quarterly financial data.
| Rank | Institution | Headquarters | Net interest margin, change over 12 months | Total assets |
|---|---|---|---|---|
| 1 | The Southern Bank Company | Gadsden, AL | +164 bps | $133 million |
| 2 | Brantley Bank & Trust Company | Brantley, AL | +72 bps | $127 million |
| 3 | Union State Bank | Pell City, AL | +70 bps | $212 million |
| 4 | Marion Community Bank | Marion, AL | +62 bps | $364 million |
| 5 | Citizens' Bank Inc. | Robertsdale, AL | +55 bps | $159 million |
| 6 | Servisfirst Bank | Birmingham, AL | +54 bps | $18.3 billion |
| 7 | State Bank & Trust | Winfield, AL | +48 bps | $413 million |
| 8 | The Citizens Bank of Winfield | Winfield, AL | +44 bps | $301 million |
| 9 | Merit Bank | Huntsville, AL | +41 bps | $582 million |
| 10 | First Jackson Bank | Stevenson, AL | +41 bps | $444 million |
| 11 | First Southern State Bank | Stevenson, AL | +37 bps | $893 million |
| 12 | The Commercial Bank of Ozark | Ozark, AL | +36 bps | $115 million |
| 13 | The Hometown Bank of Alabama | Oneonta, AL | +36 bps | $661 million |
| 14 | First State Bank of the South Inc. | Sulligent, AL | +32 bps | $131 million |
| 15 | Midsouth Bank | Dothan, AL | +32 bps | $771 million |
| 16 | River Bank & Trust | Prattville, AL | +31 bps | $4.0 billion |
| 17 | First Federal Bank, A FSB | Tuscaloosa, AL | +30 bps | $183 million |
| 18 | Cb & S Bank Inc. | Russellville, AL | +28 bps | $3.1 billion |
| 19 | 22nd State Banking Company | Mobile, AL | +26 bps | $292 million |
| 20 | First Cahawba Bank | Selma, AL | +25 bps | $206 million |
| 21 | Banksouth | Dothan, AL | +25 bps | $221 million |
| 22 | Troy Bank & Trust Company | Troy, AL | +25 bps | $1.6 billion |
| 23 | First National Bank and Trust | Atmore, AL | +24 bps | $239 million |
| 24 | Ccb Community Bank | Andalusia, AL | +23 bps | $662 million |
| 25 | Amerifirst Bank | Montgomery, AL | +22 bps | $364 million |
| 26 | West Alabama Bank & Trust | Reform, AL | +20 bps | $929 million |
| 27 | Southern Independent Bank | Opp, AL | +19 bps | $395 million |
| 28 | North Alabama Bank | Hazel Green, AL | +19 bps | $179 million |
| 29 | The Exchange Bank of Alabama | Altoona, AL | +19 bps | $393 million |
| 30 | First Bank of Alabama | Talladega, AL | +18 bps | $1.4 billion |
| 31 | Cullman Savings Bank | Cullman, AL | +16 bps | $457 million |
| 32 | Noblebank & Trust | Anniston, AL | +15 bps | $444 million |
| 33 | The Bank of Vernon | Vernon, AL | +13 bps | $445 million |
| 34 | Premier Bank of the South | Cullman, AL | +13 bps | $371 million |
| 35 | Hnb First Bank | Headland, AL | +13 bps | $282 million |
| 36 | First Citizens Bank | Luverne, AL | +12 bps | $403 million |
| 37 | Robertson Banking Company | Demopolis, AL | +11 bps | $463 million |
| 38 | First Financial Bank | Bessemer, AL | +11 bps | $248 million |
| 39 | Peoplestrust Bank | Hamilton, AL | +10 bps | $201 million |
| 40 | Phenix-Girard Bank | Phenix City, AL | +9 bps | $342 million |
| 41 | First National Bank of Hartford | Hartford, AL | +9 bps | $173 million |
| 42 | Farmers & Merchants Bank | Piedmont, AL | +9 bps | $309 million |
| 43 | Liberty Bank | Geraldine, AL | +8 bps | $259 million |
| 44 | The Citizens Bank | Greensboro, AL | +7 bps | $129 million |
| 45 | Auburnbank | Auburn, AL | +6 bps | $1.1 billion |
| 46 | Community Spirit Bank | Red Bay, AL | +6 bps | $229 million |
| 47 | Oakworth Capital Bank | Birmingham, AL | +4 bps | $2.1 billion |
| 48 | Farmers and Merchants Bank | Lafayette, AL | +3 bps | $308 million |
| 49 | The Citizens Bank | Enterprise, AL | +2 bps | $233 million |
| 50 | Peoples Bank of Greensboro | Greensboro, AL | +1 bps | $116 million |
| 51 | Peoples Bank of Alabama | Cullman, AL | +1 bps | $1.4 billion |
| 52 | Friend Bank | Slocomb, AL | +1 bps | $221 million |
| 53 | First Bank of Boaz | Boaz, AL | +1 bps | $240 million |
| 54 | Citizens Bank & Trust | Guntersville, AL | +1 bps | $1.2 billion |
| 55 | First Community Bank of Central Alabama | Wetumpka, AL | 0 bps | $694 million |
| 56 | Regions Bank | Birmingham, AL | 0 bps | $160 billion |
| 57 | Local Bank | Tuscaloosa, AL | 0 bps | $111 million |
| 58 | Metro Bank | Pell City, AL | -1 bps | $1.2 billion |
| 59 | Pinnacle Bank | Jasper, AL | -5 bps | $385 million |
| 60 | Evabank | Eva, AL | -5 bps | $491 million |
| 61 | First US Bank | Birmingham, AL | -6 bps | $1.1 billion |
| 62 | Bank of Moundville | Moundville, AL | -6 bps | $145 million |
| 63 | First Metro Bank | Muscle Shoals, AL | -7 bps | $1.0 billion |
| 64 | First National Bank | Hamilton, AL | -9 bps | $373 million |
| 65 | Traditions Bank | Cullman, AL | -10 bps | $891 million |
| 66 | The Samson Banking Company | Samson, AL | -10 bps | $124 million |
| 67 | Firststate Bank | Lineville, AL | -11 bps | $349 million |
| 68 | Valley State Bank | Russellville, AL | -11 bps | $169 million |
| 69 | First State Bank of Dekalb County Inc. | Fort Payne, AL | -11 bps | $354 million |
| 70 | United Bank | Atmore, AL | -15 bps | $1.5 billion |
| 71 | Central State Bank | Calera, AL | -19 bps | $891 million |
| 72 | Southpoint Bank | Birmingham, AL | -19 bps | $1.4 billion |
| 73 | Commerceone Bank | Birmingham, AL | -20 bps | $1.1 billion |
| 74 | Millennial Bank | Leeds, AL | -22 bps | $201 million |
| 75 | Peoples Independent Bank | Boaz, AL | -28 bps | $486 million |
| 76 | Bryant Bank | Tuscaloosa, AL | -32 bps | $2.9 billion |
| 77 | Community Neighbor Bank | Camden, AL | -36 bps | $193 million |
| 78 | Sweet Water State Bank | Sweet Water, AL | -38 bps | $150 million |
| 79 | Merchants & Farmers Bank of Greene County | Eutaw, AL | -62 bps | $136 million |
| 80 | First Southern Bank | Florence, AL | -79 bps | $679 million |
| 81 | Bank Independent | Sheffield, AL | -84 bps | $2.9 billion |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings