Bank · FDIC insured
AmeriFirst Bank
A $364.1M bank headquartered in Montgomery, AL, with 6 branches in Alabama.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: carrot has not captured enough rates to score this yet. Savings: not enough terms or balances published to score. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- Savings—1.26%Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About AmeriFirst Bank
Formed in June 1997 through the merger of The First National Bank and American National Bank, AmeriFirst Bank is owned by holding company USAL Bancorp, Inc.
Its predecessor banks were founded in Union Springs, Alabama, in 1904 and 1916.
Headquartered in Montgomery, Alabama, the locally owned bank operates six branch locations across Union Springs, Montgomery, Prattville, Lee County, Escambia County, and Point Clear/Fairhope.
- Headquarters
- 8165 Vaughn Rd, Montgomery, AL 36116
- FDIC certificate
- 2838 ↗
Branches
6 branches in Alabama
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Alabama
6 branches
Montgomery area · 1
- AmeriFirst BankMain office8165 Vaughn Rd, Montgomery, AL 36116Directions
Auburn area · 1
- Auburn Branch2594 Hilton Garden Dr, Auburn, AL 36830Directions
Flomaton area · 1
- Escambia County Branch2151 Ringold St, Flomaton, AL 36441Directions
Point Clear area · 1
- Point Clear Branch17008 Scenic Highway 98, Point Clear, AL 36564Directions
Prattville area · 1
- Prattville Branch1799 Fairview Ave, Prattville, AL 36066Directions
Union Springs area · 1
- Union Springs Branch104 Hardaway Ave E, Union Springs, AL 36089Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.66% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.19% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.23% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $86 | $81 | — |
- CapitalLeverage ratio9.66%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.19%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.23%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$86Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of AmeriFirst Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.