22ND STATE BANKING COMPANY

MOBILE, AL | Small | Est. Jan. 1, 1917, midnight | FDIC #16910 | RSSD #449430 | FDIC
Latest Report: 2025-12-31

22ND STATE BANKING COMPANY is asn small FDIC-insured commercial bank headquartered in MOBILE, AL, established in Jan. 1, 1917, midnight. As of 2025-12-31, the bank reported total assets of $273M and total deposits of $223M. Profitability stands at -1.88% ROA and -14.16% ROE, with a net interest margin of 7.49%. The bank's CET1 capital ratio is 14.08%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.57% and a Texas Ratio of 13.31%. FDIC Certificate #16910.

Assets

$273M

Deposits

$223M

Loans

$216M

Equity

$36M

Profitability

Return on Assets (ROA) -1.88%
Return on Equity (ROE) -14.16%
Net Interest Margin (NIM) 7.49%
Yield on Assets 9.85%
Cost of Funds 2.64%

Asset Quality

NPL Ratio 2.57%
Net Charge-Off Ratio 0.56%
Texas Ratio 13.31%
NPA Ratio 2.03%
ACL / Loans 2.63%

Capital & Liquidity

CET1 Ratio 14.08%
Tier 1 Capital 14.08%
Total Capital Ratio 15.34%
Leverage Ratio 12.77%
Loan-to-Deposit 96.54%

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