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North Alabama Bank
Hazel Green, AL · FDIC Certificate #27560 · Chartered 08/1
Total assets
$178.61M
Total deposits
$156.02M
Total equity
$20.41M
Net loans
$137.94M
Branches (offices)
4
Net income (YTD)
$1.35M
Rank: #3,122 of 4,213 U.S. banks by assets · #67 of 93 in Alabama. Assets changed -0.1% and deposits 0.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.53% |
| Return on equity | 13.66% |
| Net interest margin (YTD) | 5.56% |
| Equity to assets | 11.42% |
| Tier 1 leverage ratio | 11.73% |
| Uninsured deposits (share of deposits) | 16.1% |
| Noncurrent loans (share of loans) | 0.15% |
| Net charge-offs (share of loans) | 0.05% |
| Loans to deposits | 88.4% |
| Real estate loans (share of loans) | 90.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $125.23M | 90.8% | |
| Commercial & industrial | $9.01M | 6.5% | |
| Consumer / individual | $2.68M | 1.9% | |
| Construction & development | $17.19M | 12.5% | |
| Agricultural | $1.30M | 0.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $152.04M | $136.74M | $753.00K | $14.22M |
| Jun 2023 | $161.42M | $144.80M | $982.00K | $15.19M |
| Jun 2024 | $174.97M | $156.82M | $1.20M | $16.39M |
| Jun 2025 | $178.71M | $155.34M | $1.33M | $18.04M |
| Jun 2026 | $178.61M | $156.02M | $1.35M | $20.41M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $156.02M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $156.02M.
Similar-sized banks
Putnam 1St Mercantile Bank ($178.91M) · The State Savings Bank Of Manistique ($178.21M)
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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