RANKING ·
Lowest efficiency ratio 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 positive revenue. Institutions with equal values share a rank. Source: FDIC quarterly financial data.
| Rank | Institution | Headquarters | Efficiency ratio (noninterest expense / revenue) | Total assets |
|---|---|---|---|---|
| 1 | Servisfirst Bank | Birmingham, AL | 29.5% | $18.3 billion |
| 2 | First Jackson Bank | Stevenson, AL | 37.3% | $444 million |
| 3 | Evabank | Eva, AL | 40.6% | $491 million |
| 4 | Commerceone Bank | Birmingham, AL | 42.1% | $1.1 billion |
| 5 | First National Bank | Hamilton, AL | 43.0% | $373 million |
| 6 | First State Bank of Dekalb County Inc. | Fort Payne, AL | 43.9% | $354 million |
| 7 | First Metro Bank | Muscle Shoals, AL | 43.9% | $1.0 billion |
| 8 | First Citizens Bank | Luverne, AL | 44.9% | $403 million |
| 9 | The Bank of Vernon | Vernon, AL | 46.5% | $445 million |
| 10 | Central State Bank | Calera, AL | 46.5% | $891 million |
| 11 | Metro Bank | Pell City, AL | 47.1% | $1.2 billion |
| 12 | First Community Bank of Central Alabama | Wetumpka, AL | 47.9% | $694 million |
| 13 | Ccb Community Bank | Andalusia, AL | 48.5% | $662 million |
| 14 | River Bank & Trust | Prattville, AL | 48.7% | $4.0 billion |
| 15 | Bryant Bank | Tuscaloosa, AL | 53.1% | $2.9 billion |
| 16 | Valley State Bank | Russellville, AL | 53.2% | $169 million |
| 17 | First Southern State Bank | Stevenson, AL | 53.3% | $893 million |
| 18 | Peoples Independent Bank | Boaz, AL | 53.4% | $486 million |
| 19 | Troy Bank & Trust Company | Troy, AL | 53.7% | $1.6 billion |
| 20 | West Alabama Bank & Trust | Reform, AL | 54.1% | $929 million |
| 21 | The Samson Banking Company | Samson, AL | 54.8% | $124 million |
| 22 | Merit Bank | Huntsville, AL | 55.2% | $582 million |
| 23 | The Citizens Bank | Greensboro, AL | 55.3% | $129 million |
| 24 | Farmers and Merchants Bank | Lafayette, AL | 55.5% | $308 million |
| 25 | Oakworth Capital Bank | Birmingham, AL | 55.5% | $2.1 billion |
| 26 | Noblebank & Trust | Anniston, AL | 55.6% | $444 million |
| 27 | Liberty Bank | Geraldine, AL | 55.8% | $259 million |
| 28 | Robertson Banking Company | Demopolis, AL | 56.1% | $463 million |
| 29 | Regions Bank | Birmingham, AL | 56.5% | $160 billion |
| 30 | Pinnacle Bank | Jasper, AL | 58.0% | $385 million |
| 31 | Banksouth | Dothan, AL | 58.0% | $221 million |
| 32 | Southern Independent Bank | Opp, AL | 58.5% | $395 million |
| 33 | Peoples Bank of Alabama | Cullman, AL | 59.7% | $1.4 billion |
| 34 | Hnb First Bank | Headland, AL | 60.1% | $282 million |
| 35 | First Bank of Boaz | Boaz, AL | 60.3% | $240 million |
| 36 | Phenix-Girard Bank | Phenix City, AL | 60.4% | $342 million |
| 37 | Friend Bank | Slocomb, AL | 60.4% | $221 million |
| 38 | United Bank | Atmore, AL | 60.5% | $1.5 billion |
| 39 | The Exchange Bank of Alabama | Altoona, AL | 60.6% | $393 million |
| 40 | Community Neighbor Bank | Camden, AL | 60.8% | $193 million |
| 41 | Amerifirst Bank | Montgomery, AL | 61.2% | $364 million |
| 42 | The Citizens Bank | Enterprise, AL | 62.8% | $233 million |
| 43 | The Hometown Bank of Alabama | Oneonta, AL | 62.8% | $661 million |
| 44 | North Alabama Bank | Hazel Green, AL | 62.9% | $179 million |
| 45 | Citizens' Bank Inc. | Robertsdale, AL | 65.0% | $159 million |
| 46 | Peoplestrust Bank | Hamilton, AL | 65.0% | $201 million |
| 47 | First Cahawba Bank | Selma, AL | 65.9% | $206 million |
| 48 | First Bank of Alabama | Talladega, AL | 66.2% | $1.4 billion |
| 49 | Community Spirit Bank | Red Bay, AL | 66.2% | $229 million |
| 50 | The Citizens Bank of Winfield | Winfield, AL | 66.2% | $301 million |
| 51 | The Southern Bank Company | Gadsden, AL | 66.9% | $133 million |
| 52 | Traditions Bank | Cullman, AL | 67.0% | $891 million |
| 53 | First State Bank of the South Inc. | Sulligent, AL | 67.6% | $131 million |
| 54 | First US Bank | Birmingham, AL | 67.9% | $1.1 billion |
| 55 | State Bank & Trust | Winfield, AL | 68.5% | $413 million |
| 56 | Auburnbank | Auburn, AL | 68.7% | $1.1 billion |
| 57 | Southpoint Bank | Birmingham, AL | 70.1% | $1.4 billion |
| 58 | Peoples Bank of Greensboro | Greensboro, AL | 70.1% | $116 million |
| 59 | Cullman Savings Bank | Cullman, AL | 70.2% | $457 million |
| 60 | Marion Community Bank | Marion, AL | 71.1% | $364 million |
| 61 | Firststate Bank | Lineville, AL | 71.1% | $349 million |
| 62 | Millennial Bank | Leeds, AL | 72.8% | $201 million |
| 63 | Premier Bank of the South | Cullman, AL | 73.9% | $371 million |
| 64 | Midsouth Bank | Dothan, AL | 74.1% | $771 million |
| 65 | First Southern Bank | Florence, AL | 74.3% | $679 million |
| 66 | Farmers & Merchants Bank | Piedmont, AL | 76.0% | $309 million |
| 67 | Brantley Bank & Trust Company | Brantley, AL | 76.2% | $127 million |
| 68 | First National Bank of Hartford | Hartford, AL | 76.2% | $173 million |
| 69 | Sweet Water State Bank | Sweet Water, AL | 76.2% | $150 million |
| 70 | Citizens Bank & Trust | Guntersville, AL | 76.7% | $1.2 billion |
| 71 | First National Bank and Trust | Atmore, AL | 76.7% | $239 million |
| 72 | First Financial Bank | Bessemer, AL | 78.0% | $248 million |
| 73 | Cb & S Bank Inc. | Russellville, AL | 78.3% | $3.1 billion |
| 74 | Bank of Moundville | Moundville, AL | 80.3% | $145 million |
| 75 | Merchants & Farmers Bank of Greene County | Eutaw, AL | 81.9% | $136 million |
| 76 | The Commercial Bank of Ozark | Ozark, AL | 84.0% | $115 million |
| 77 | Union State Bank | Pell City, AL | 87.7% | $212 million |
| 78 | Bank Independent | Sheffield, AL | 88.7% | $2.9 billion |
| 79 | 22nd State Banking Company | Mobile, AL | 90.4% | $292 million |
| 80 | First Federal Bank, A FSB | Tuscaloosa, AL | 92.9% | $183 million |
| 81 | Local Bank | Tuscaloosa, AL | 105.1% | $111 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings