West Alabama Bank & Trust
Reform, AL · Cert 16175 · Peer group: banks under $1B in assets (n=570-617) · West Alabama Capital Corp.
State charter, non-member · FDIC · 16 branches
Q2 2026
$929.0MAssets
$603.9MLoans
$806.4MDeposits
$97.6MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 81% of banks under $1B in assets (rank 117 of 617).
- Widest gap: net charge-offs / loans trails 82% of banks under $1B in assets (rank 467 of 570).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.31%
Rank 197 of 617
Net Interest Margin
3.31%
Rank 384 of 617
Efficiency Ratio
54.87%
Rank 117 of 617
Equity / Assets
10.51%
Rank 315 of 617
Non-interest income vs. expense
Unfavorable gap of $14.3M · efficiency ratio beats 81% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.31% | 0.60% | 1.01% | 1.45% | Beats 68% | 197 / 617 | |
| Return on Equity | 12.49% | 5.30% | 9.43% | 13.30% | Beats 70% | 188 / 617 | |
| Net Interest Margin | 3.31% | 3.04% | 3.54% | 4.05% | Beats 38% | 384 / 617 | |
| Efficiency Ratio | 54.87% | 58.03% | 67.76% | 79.08% | Beats 81% | 117 / 617 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.44% | 0.09% | 0.47% | 1.27% | Beats 52% | 276 / 570 | |
| Net Charge-Offs / Loans | 0.09% | n/a | 0.01% | 0.06% | Beats 18% | 467 / 570 | |
| Capital |
| Tier 1 Capital Ratio | 12.22% | 11.18% | 13.83% | 18.55% | Beats 36% | 396 / 617 | |
| Total Risk-Based Capital Ratio | 12.22% | 11.56% | 14.39% | 19.39% | Beats 31% | 426 / 617 | |
| Equity / Assets | 10.51% | 9.03% | 10.55% | 13.63% | Beats 49% | 315 / 617 | |
| Liquidity & Funding |
| Loans / Deposits | 74.88% | 64.77% | 79.70% | 93.06% | 41st pctl | 343 / 582 | |
| Loans / Assets | 65.00% | 51.70% | 67.18% | 77.51% | 45th pctl | 337 / 617 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |