Amerifirst Bank (FDIC #2838): Bank Stress & Real-Estate Credit Exposure

Amerifirst Bank (FDIC Cert #2838): bank stress 68/100, elevated, STABLE over 7 days; parent USAL BCORP INC.

Amerifirst Bank (#2838) lends in 6 counties across 1 state; Amerifirst Bank (#2838) reaches 91 ZIP codes: Alabama 6 counties, 91 ZIPs.

Amerifirst Bank (#2838) largest markets: Montgomery County, AL (28 branches, 28 ZIPs) (#2838), Baldwin County, AL (24 branches, 24 ZIPs) (#2838), Lee County, AL (15 branches, 15 ZIPs) (#2838), Autauga County, AL (11 branches, 11 ZIPs) (#2838), Escambia County, AL (10 branches, 10 ZIPs) (#2838), Bullock County, AL (7 branches, 7 ZIPs) (#2838).

Amerifirst Bank (#2838) reports $364.1 million in total assets; Amerifirst Bank (#2838) equity $34.6 million (9.5% of Amerifirst Bank (#2838) assets); Amerifirst Bank (#2838) domestic deposits $325.1 million; Amerifirst Bank (#2838) net income $2.2 million; Amerifirst Bank (#2838) return on assets 1.23%; Amerifirst Bank (#2838) return on equity 13.28%; Amerifirst Bank (#2838) net interest income $7.7 million; Amerifirst Bank (#2838) call report June 30, 2026.

Amerifirst Bank (#2838) noncurrent real-estate loans 0.15% of its book; Amerifirst Bank (#2838) net charge-offs on real estate 0.21%; Amerifirst Bank (#2838) residential charge-offs 0.22%.

Amerifirst Bank (#2838) net interest margin 4.61% against an eight-quarter Amerifirst Bank (#2838) average of 4.42% (Amerifirst Bank (#2838) compression -0.19 points); Amerifirst Bank (#2838) real-estate loans 14.9% of equity; Amerifirst Bank (#2838) non-residential real estate 21.8% of equity; Amerifirst Bank (#2838) rate-exposure score 40/100, Amerifirst Bank (#2838) fixed-rate trap 40/100; Amerifirst Bank (#2838) risk type credit driven; Amerifirst Bank (#2838) rate regime rates elevated, Amerifirst Bank (#2838) snapshot October 20, 2026.

Amerifirst Bank (#2838) stress score moved from 68.4 on June 22, 2026 to 67.7 on October 20, 2026; Amerifirst Bank (#2838) ranged 67.7 to 68.4 over 117 snapshots.

Amerifirst Bank (#2838) alerts: 6 counties; top Amerifirst Bank (#2838) alert scores: Montgomery County, AL 40 (moderate); Auburn County, AL 23 (low); Flomaton County, AL 23 (low); Point Clear County, AL 23 (low); Prattville County, AL 23 (low).