WEST ALABAMA BANK & TRUST

REFORM, AL | Large | Est. July 29, 1944, midnight | FDIC #16175 | RSSD #501132 | FDIC
Latest Report: 2025-12-31

WEST ALABAMA BANK & TRUST is aln large FDIC-insured commercial bank headquartered in REFORM, AL, established in July 29, 1944, midnight. As of 2025-12-31, the bank reported total assets of $1.0B and total deposits of $885M. Profitability stands at 1.07% ROA and 11.26% ROE, with a net interest margin of 3.40%. The bank's CET1 capital ratio is 8.06%. Asset quality metrics show a non-performing loan ratio of 0.45% and a Texas Ratio of 7.64%. FDIC Certificate #16175.

Assets

$1.0B

Deposits

$885M

Loans

$579M

Equity

$94M

Profitability

Return on Assets (ROA) 1.07%
Return on Equity (ROE) 11.26%
Net Interest Margin (NIM) 3.40%
Yield on Assets 5.44%
Cost of Funds 2.09%

Asset Quality

NPL Ratio 0.45%
Net Charge-Off Ratio 0.14%
Texas Ratio 7.64%
NPA Ratio 0.77%
ACL / Loans 1.23%

Capital & Liquidity

CET1 Ratio 8.06%
Tier 1 Capital 8.06%
Total Capital Ratio 8.46%
Leverage Ratio 11.44%
Loan-to-Deposit 65.37%

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