LOCAL BANK

TUSCALOOSA, AL | Small | Est. Aug. 1, 1914, midnight | FDIC #9614 | RSSD #470434 | FDIC
Latest Report: 2025-12-31

LOCAL BANK is asn small FDIC-insured commercial bank headquartered in TUSCALOOSA, AL, established in Aug. 1, 1914, midnight. As of 2025-12-31, the bank reported total assets of $110M and total deposits of $85M. Profitability stands at -0.80% ROA and -4.87% ROE, with a net interest margin of 3.79%. The bank's CET1 capital ratio is 14.57%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.24% and a Texas Ratio of 2.06%. FDIC Certificate #9614.

Assets

$110M

Deposits

$85M

Loans

$81M

Equity

$18M

Profitability

Return on Assets (ROA) -0.80%
Return on Equity (ROE) -4.87%
Net Interest Margin (NIM) 3.79%
Yield on Assets 7.10%
Cost of Funds 4.27%

Asset Quality

NPL Ratio 0.24%
Net Charge-Off Ratio -0.02%
Texas Ratio 2.06%
NPA Ratio 0.35%
ACL / Loans 0.90%

Capital & Liquidity

CET1 Ratio 14.57%
Tier 1 Capital 14.57%
Total Capital Ratio 15.30%
Leverage Ratio 14.48%
Loan-to-Deposit 95.99%

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