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Local Bank
Tuscaloosa, AL · FDIC Certificate #9614 · Chartered 08/0
Total assets
$111.30M
Total deposits
$87.46M
Total equity
$17.07M
Net loans
$85.57M
Branches (offices)
3
Net income (YTD)
-$802.00K
Rank: #3,596 of 4,213 U.S. banks by assets · #81 of 93 in Alabama. Assets changed 17.7% and deposits 16.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -1.47% |
| Return on equity | -9.21% |
| Net interest margin (YTD) | 3.68% |
| Equity to assets | 15.33% |
| Tier 1 leverage ratio | 14.29% |
| Uninsured deposits (share of deposits) | 23.7% |
| Noncurrent loans (share of loans) | 1.42% |
| Net charge-offs (share of loans) | 0.41% |
| Loans to deposits | 97.8% |
| Real estate loans (share of loans) | 88.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $75.71M | 88.5% | |
| Commercial & industrial | $9.24M | 10.8% | |
| Consumer / individual | $1.31M | 1.5% | |
| Construction & development | $17.14M | 20.0% | |
| Agricultural | $90.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $33.68M | $16.43M | -$291.00K | $17.23M |
| Jun 2023 | $35.97M | $19.43M | -$630.00K | $16.39M |
| Jun 2024 | $60.41M | $44.55M | -$463.00K | $15.59M |
| Jun 2025 | $94.59M | $74.93M | -$43.00K | $14.99M |
| Jun 2026 | $111.30M | $87.46M | -$802.00K | $17.07M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $87.46M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $87.46M.
Similar-sized banks
The State Bank Of Wynnewood ($111.38M) · Midland Federal Savings And Loan Association ($111.23M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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