Bank of Walker County
BankRegReports is independent of Bank of Walker County and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Bank of Walker County is an FDIC-insured commercial bank headquartered in Jasper, AL, established in 2004 (FDIC certificate 57640), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $98.5M, up 1.1% from Q2 2025, the 83rd largest of 93 banks headquartered in Alabama. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.24% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57640
- Headquarters
- Jasper, AL
- Established
- 2004
- Total assets, Q2 2026
- $98.5M
- Assets vs Q2 2025
- +1.1%
- Tier 1 leverage ratio, Q2 2026
- 11.24%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 062206460
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Walker County call report
- Holding company
- RELATIONS BANCSHARES, INC.
- Asset rank in state
- 83rd of 93 in Alabama
Problem loans are rising at Bank of Walker County. Based in Jasper, Alabama, it had $99 million in assets at June 30, 2026, up 1.1% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.46% of loans from 0.06% a year earlier. It keeps 5.19 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 583 banks with less than $100 million in assets (median 3.87 cents). On the other hand, it holds commercial real estate loans worth 1.7 times its capital, 6.6 times the median of 26% for banks its size.
Delinquency has appeared in its $17 million non-owner-occupied commercial real estate book: 2.05% of those loans are past due or on nonaccrual, against almost none a year earlier.
As of June 30, 2026, Bank of Walker County reported a return on assets of 1.62%, a nonperforming-loan ratio of 0.46% and a Texas ratio of 2.99%. The figures come from its call report filed with the FFIEC.
Of the 93 banks headquartered in Alabama, Bank of Walker County is the 83rd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 3.6% to $98.5M, loans rose 0.1% and deposits rose 3.5%. 1-4 family residential loans made up 46.1% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 22.5%. Its 2 offices in the FDIC Summary of Deposits are in Jasper, AL. On its Q2 2026 call report, Bank of Walker County meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 607 Highway 78 E, Jasper, AL 35501
- County
- Walker
- Metro Area
- Birmingham, AL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 29, 2004
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 20
- Domestic deposits
- $87.9M
- Allowance for credit losses
- $965K
- Net charge-offs (YTD)
- $15K
- Average total assets
- $98.2M
- Average total loans
- $73.7M
- Average interest-bearing deposits
- $47.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 29, 2004
- FDIC Cert
- 57640
- Fed RSSD
- 3254297
- Website
- www.bankofwalkercounty.bank →
- Parent Holding Company
- RELATIONS BANCSHARES, INC. (RSSD 3569049)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Bank of Walker County reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Bank of Walker County's total assets moved between a low of $89.3M (Q4 2023) and a high of $100.1M (Q4 2024) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$98.5M total assets against $97.5M; $88.2M total liabilities against $88.0M.
$72.4M net loans and leases against $72.8M; $87.9M total deposits against $87.8M.
$8.6M securities against $9.4M; $14.5M cash and balances due against $12.1M.
$1.5M total interest income against $1.4M; $257K total interest expense against $279K.
$1.2M net interest income against $1.2M.
$180K total noninterest income against $170K; $936K total noninterest expense against $909K.
$30K provision for credit losses against $30K.
$398K net income against $374K.
1.62% return on assets against 1.54%; 5.19% net interest margin against 5.13%.
11.24% tier 1 leverage ratio against 10.58%.
Inside the full Bank of Walker County terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank of Walker County rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.83% (Q4 2024) to 1.62% (Q2 2026) and its net interest margin ran from 4.87% (Q1 2025) to 5.27% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.24% | 1.62% | 0.46% | 2.99% | 5.19% |
| Q1 2026 | 11.18% | 1.33% | 0.02% | 0.16% | 5.12% |
| Q4 2025 | 11.18% | 1.03% | 0.02% | 0.15% | 5.27% |
| Q3 2025 | 10.94% | 1.49% | 0.03% | 0.17% | 5.20% |
| Q2 2025 | 10.58% | 1.54% | 0.06% | 0.44% | 5.13% |
| Q1 2025 | 10.21% | 1.32% | 0.03% | 0.22% | 4.87% |
| Q4 2024 | 10.48% | 0.83% | 0.03% | 0.24% | 4.89% |
| Q3 2024 | 10.41% | 1.38% | 0.08% | 0.55% | 4.95% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Walker County (main office) | Jasper , AL | 35501 | $75.9M |
| Jasper Branch | Jasper , AL | 35503 | $12.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in AL, rank 110 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Bank of Walker County’s latest filed figures and updates each quarter.
Similar banks
Compare Bank of Walker County with peers
Frequently asked about Bank of Walker County
What are Bank of Walker County's total assets?
As of the Q2 2026 filing, Bank of Walker County reported total assets of $98.5 million in its FFIEC call report.
Where is Bank of Walker County headquartered?
It is headquartered in Jasper, AL, United States.
When was Bank of Walker County founded?
It was established in 2004, per the FDIC institution directory.
Is Bank of Walker County FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57640). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Walker County?
Bank of Walker County's primary federal regulator is the FDIC.
How many branches does Bank of Walker County operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Walker County's Texas Ratio?
Its Texas Ratio is 2.99% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Bank of Walker County.
Get an email when Bank of Walker County files its next call report, and benchmark it against any peer you choose.
Unlock Bank of Walker County, freeFree account