DOZIER BANK

DOZIER, AL | Micro | Est. March 10, 1910, midnight | FDIC #2794 | RSSD #496434 | FDIC
Latest Report: 2025-12-31

DOZIER BANK is amn micro FDIC-insured commercial bank headquartered in DOZIER, AL, established in March 10, 1910, midnight. As of 2025-12-31, the bank reported total assets of $55M and total deposits of $40M. Profitability stands at 0.94% ROA and 3.86% ROE, with a net interest margin of 3.20%. The bank's CET1 capital ratio is 24.38%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 3.45% and a Texas Ratio of 5.62%. FDIC Certificate #2794.

Assets

$55M

Deposits

$40M

Loans

$22M

Equity

$13M

Profitability

Return on Assets (ROA) 0.94%
Return on Equity (ROE) 3.86%
Net Interest Margin (NIM) 3.20%
Yield on Assets 4.48%
Cost of Funds 2.05%

Asset Quality

NPL Ratio 3.45%
Net Charge-Off Ratio --
Texas Ratio 5.62%
NPA Ratio 1.39%
ACL / Loans 1.03%

Capital & Liquidity

CET1 Ratio 24.38%
Tier 1 Capital 24.38%
Total Capital Ratio 25.60%
Leverage Ratio 26.73%
Loan-to-Deposit 54.73%

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