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West Alabama Bank & Trust
Reform, AL · FDIC Certificate #16175 · Chartered 07/2
Total assets
$928.95M
Total deposits
$806.41M
Total equity
$97.61M
Net loans
$596.73M
Branches (offices)
16
Net income (YTD)
$6.09M
Rank: #1,117 of 4,213 U.S. banks by assets · #19 of 93 in Alabama. Assets changed -1.9% and deposits -1.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.28% |
| Return on equity | 12.73% |
| Net interest margin (YTD) | 3.59% |
| Equity to assets | 10.51% |
| Tier 1 leverage ratio | 12.22% |
| Uninsured deposits (share of deposits) | 23.0% |
| Noncurrent loans (share of loans) | 0.44% |
| Net charge-offs (share of loans) | 0.16% |
| Loans to deposits | 74.0% |
| Real estate loans (share of loans) | 85.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $510.12M | 85.5% | |
| Commercial & industrial | $69.54M | 11.7% | |
| Consumer / individual | $12.63M | 2.1% | |
| Construction & development | $59.28M | 9.9% | |
| Agricultural | $9.67M | 1.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $757.49M | $685.95M | $4.12M | $67.73M |
| Jun 2023 | $857.60M | $714.37M | $4.30M | $66.99M |
| Jun 2024 | $911.42M | $774.61M | $4.49M | $74.08M |
| Jun 2025 | $946.59M | $822.05M | $5.42M | $84.00M |
| Jun 2026 | $928.95M | $806.41M | $6.09M | $97.61M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $806.41M | 16 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $806.41M.
Similar-sized banks
First National Bank Of Waterloo ($929.32M) · Legends Bank ($927.66M)
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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