Banks22ND STATE BANKING COMPANY

22ND STATE BANKING COMPANY

MOBILE, ALSmallEst. Jan. 1, 1917, midnightFDIC #16910RSSD #449430FDIC
Latest · 2025-12-31

22ND STATE BANKING COMPANY is an 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%. CET1 capital ratio: 14.08%, well above regulatory minimums. NPL ratio: 2.57% · Texas Ratio: 13.31%. Operates 4 domestic branches.

Assets
$273M
Deposits
$223M
Loans
$216M
Equity
$36M

Profitability

Return on Assets (ROA)-1.88%
Return on Equity (ROE)-14.16%
Net Interest Margin7.49%
Yield on Assets9.85%
Cost of Funds2.64%

Asset Quality

NPL Ratio2.57%
Net Charge-Off Ratio0.56%
Texas Ratio13.31%
NPA Ratio2.03%
ACL / Loans2.63%

Capital & Liquidity

CET1 Ratio14.08%
Tier 1 Capital14.08%
Total Capital Ratio15.34%
Leverage Ratio12.77%
Loan-to-Deposit96.54%

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