BanksBANK47

BANK47

UNION SPRINGS, ALMicroEst. May 18, 1990, midnightFDIC #32968RSSD #1474309FDIC
Latest · 2025-12-31

BANK47 is an 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%. CET1 capital ratio: 22.35%, well above regulatory minimums. NPL ratio: 0.13% · Texas Ratio: 0.60%. Operates 2 domestic branches.

Assets
$83M
Deposits
$75M
Loans
$43M
Equity
$8M

Profitability

Return on Assets (ROA)-6.01%
Return on Equity (ROE)-58.48%
Net Interest Margin3.37%
Yield on Assets5.21%
Cost of Funds1.91%

Asset Quality

NPL Ratio0.13%
Net Charge-Off Ratio-0.28%
Texas Ratio0.60%
NPA Ratio0.07%
ACL / Loans3.29%

Capital & Liquidity

CET1 Ratio22.35%
Tier 1 Capital22.35%
Total Capital Ratio23.62%
Leverage Ratio13.61%
Loan-to-Deposit57.10%

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