BANK47

UNION SPRINGS, AL | Micro | Est. May 18, 1990, midnight | FDIC #32968 | RSSD #1474309 | FDIC
Latest Report: 2025-12-31

BANK47 is amn micro FDIC-insured commercial bank headquartered in UNION SPRINGS, AL, established in May 18, 1990, midnight. As of 2025-12-31, the bank reported total assets of $83M and total deposits of $75M. Profitability stands at -6.01% ROA and -58.48% ROE, with a net interest margin of 3.37%. The bank's CET1 capital ratio is 22.35%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.13% and a Texas Ratio of 0.60%. FDIC Certificate #32968.

Assets

$83M

Deposits

$75M

Loans

$43M

Equity

$8M

Profitability

Return on Assets (ROA) -6.01%
Return on Equity (ROE) -58.48%
Net Interest Margin (NIM) 3.37%
Yield on Assets 5.21%
Cost of Funds 2.20%

Asset Quality

NPL Ratio 0.13%
Net Charge-Off Ratio -0.28%
Texas Ratio 0.60%
NPA Ratio 0.07%
ACL / Loans 3.29%

Capital & Liquidity

CET1 Ratio 22.35%
Tier 1 Capital 22.35%
Total Capital Ratio 23.62%
Leverage Ratio 13.61%
Loan-to-Deposit 57.10%

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