BANK OF WALKER COUNTY

JASPER, AL | Micro | Est. March 29, 2004, midnight | FDIC #57640 | RSSD #3254297 | FDIC
Latest Report: 2025-12-31

BANK OF WALKER COUNTY is amn micro FDIC-insured commercial bank headquartered in JASPER, AL, established in March 29, 2004, midnight. As of 2025-12-31, the bank reported total assets of $96M and total deposits of $85M. Profitability stands at 1.04% ROA and 9.93% ROE, with a net interest margin of 5.49%. The bank's CET1 capital ratio is 10.78%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.02% and a Texas Ratio of 0.15%. FDIC Certificate #57640.

Assets

$96M

Deposits

$85M

Loans

$74M

Equity

$10M

Profitability

Return on Assets (ROA) 1.04%
Return on Equity (ROE) 9.93%
Net Interest Margin (NIM) 5.49%
Yield on Assets 6.76%
Cost of Funds 2.63%

Asset Quality

NPL Ratio 0.02%
Net Charge-Off Ratio 0.02%
Texas Ratio 0.15%
NPA Ratio 0.02%
ACL / Loans 1.24%

Capital & Liquidity

CET1 Ratio 10.78%
Tier 1 Capital 10.78%
Total Capital Ratio 11.32%
Leverage Ratio 11.18%
Loan-to-Deposit 87.14%

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