West Alabama Bank & Trust

Reform, AL · Cert 16175 · Peer group: banks under $1B in assets (n=581-629) · 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 119 of 629).
Widest gap: net charge-offs / loans trails 80% of banks under $1B in assets (rank 466 of 581).
Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.31%

Rank 199 of 629

Net Interest Margin

3.31%

Rank 389 of 629

Efficiency Ratio

54.87%

Rank 119 of 629

Equity / Assets

10.51%

Rank 333 of 629

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	8-Qtr Trend
Earnings
Return on Assets	1.31%	0.60%	1.01%	1.45%	Beats 68%	199 / 629	n/a
Return on Equity	12.49%	5.38%	9.30%	13.28%	Beats 70%	189 / 629	n/a
Net Interest Margin	3.31%	3.03%	3.54%	4.05%	Beats 38%	389 / 629	n/a
Efficiency Ratio	54.87%	58.35%	67.79%	79.08%	Beats 81%	119 / 629	n/a
Asset Quality
Nonperforming Loans / Loans	0.44%	0.09%	0.46%	1.20%	Beats 51%	286 / 581	n/a
Net Charge-Offs / Loans	0.09%	n/a	0.01%	0.06%	Beats 20%	466 / 581	n/a
Capital
Tier 1 Capital Ratio	12.22%	11.24%	13.84%	18.77%	Beats 35%	407 / 629	n/a
Total Risk-Based Capital Ratio	12.22%	11.58%	14.43%	19.66%	Beats 30%	439 / 629	n/a
Equity / Assets	10.51%	9.09%	10.65%	13.80%	Beats 47%	333 / 629	n/a
Liquidity & Funding
Loans / Deposits	74.88%	67.24%	80.90%	93.48%	39th pctl	362 / 594	n/a
Loans / Assets	65.00%	53.31%	67.71%	78.15%	44th pctl	353 / 629	n/a
Brokered Deposits / Deposits	n/a	Not reported for this institution