Advertisement
Oakworth Capital Bank
Birmingham, AL · FDIC Certificate #58783 · Chartered 03/3
Total assets
$2.13B
Total deposits
$1.77B
Total equity
$193.58M
Net loans
$1.71B
Branches (offices)
4
Net income (YTD)
$12.12M
Rank: #578 of 4,213 U.S. banks by assets · #7 of 93 in Alabama. Assets changed 15.3% and deposits 12.0% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.17% |
| Return on equity | 12.94% |
| Net interest margin (YTD) | 3.73% |
| Equity to assets | 9.08% |
| Tier 1 leverage ratio | 9.60% |
| Uninsured deposits (share of deposits) | 56.8% |
| Noncurrent loans (share of loans) | 0.68% |
| Net charge-offs (share of loans) | 0.22% |
| Loans to deposits | 96.5% |
| Real estate loans (share of loans) | 55.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $937.09M | 55.0% | |
| Commercial & industrial | $679.49M | 39.8% | |
| Consumer / individual | $27.80M | 1.6% | |
| Construction & development | $100.91M | 5.9% | |
| Agricultural | $100.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.14B | $1.03B | $5.07M | $94.35M |
| Jun 2023 | $1.43B | $1.25B | $7.21M | $121.70M |
| Jun 2024 | $1.63B | $1.40B | $8.55M | $141.99M |
| Jun 2025 | $1.85B | $1.58B | $10.57M | $168.96M |
| Jun 2026 | $2.13B | $1.77B | $12.12M | $193.58M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $1.53B | 2 |
| Tennessee | $162.55M | 1 |
| North Carolina | $75.54M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.77B.
Similar-sized banks
The Lyons National Bank ($2.13B) · Opportunity Bank Of Montana ($2.12B)
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.
Advertisement