Is First Cahawba Bank Safe?
First Cahawba Bank has a Bank Health Score of 87/100 (A), based on FDIC call report data. Its strongest factor is loan quality (98/100), while liquidity is its weakest area (72/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 14.16% | 94/100 |
| Nonperforming Loan Ratio | 0.08% | 98/100 |
| Liquidity Ratio | 22.89% | 72/100 |
| Return on Assets | 1.33% | 73/100 |
| Total Assets | $0.2B | |
How does First Cahawba Bank compare?
With a Bank Health Score of 87/100, First Cahawba Bank sits 17.0 points above the national average of 70/100 for FDIC-insured banks. Within Alabama, where 78 FDIC-insured banks are headquartered, First Cahawba Bank ranks above the state average of 66/100 (Grade B).
The bank's Tier 1 capital ratio of 14.16% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.08% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, First Cahawba Bank's Bank Health Score fell by 6.0 points to 87/100. Tier 1 capital strengthened by 0.51 percentage points to 14.16%. Quarter-over-quarter, the score fell by 3.0 points.
First Cahawba Bank has a Bank Health Score of 87/100 (A), based on FDIC call report data. Its strongest factor is loan quality (98/100), while liquidity is its weakest area (72/100).