NORTH ALABAMA BANK

HAZEL GREEN, AL | Small | Est. Aug. 14, 1989, midnight | FDIC #27560 | RSSD #1402384 | FDIC
Latest Report: 2025-12-31

NORTH ALABAMA BANK is asn small FDIC-insured commercial bank headquartered in HAZEL GREEN, AL, established in Aug. 14, 1989, midnight. As of 2025-12-31, the bank reported total assets of $175M and total deposits of $152M. Profitability stands at 1.93% ROA and 18.21% ROE, with a net interest margin of 5.80%. The bank's CET1 capital ratio is 10.29%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.55% and a Texas Ratio of 3.61%. FDIC Certificate #27560.

Assets

$175M

Deposits

$152M

Loans

$137M

Equity

$19M

Profitability

Return on Assets (ROA) 1.93%
Return on Equity (ROE) 18.21%
Net Interest Margin (NIM) 5.80%
Yield on Assets 7.72%
Cost of Funds 2.00%

Asset Quality

NPL Ratio 0.55%
Net Charge-Off Ratio 0.02%
Texas Ratio 3.61%
NPA Ratio 0.43%
ACL / Loans 1.14%

Capital & Liquidity

CET1 Ratio 10.29%
Tier 1 Capital 10.29%
Total Capital Ratio 10.81%
Leverage Ratio 10.79%
Loan-to-Deposit 89.87%

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