Bank of Walker County: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio dropped 2.81 percentage points in Q2 2026, from 86.20% to 83.39%. It was the largest change from Q1 2026 among the key lines here. Within Alabama, Bank of Walker County is 19th of 93 on return on assets, 1.62% as of Q2 2026, above the middle of the field. Bank of Walker County's return on assets of 1.62% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 0.64 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.24% |
| Equity capital to assets | 10.53% |
| Tangible equity to tangible assets | 10.53% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.09% |
| Texas ratio | 2.99% |
| Allowance for credit losses to loans | 1.32% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.62% |
| Return on equity | 15.66% |
| Net interest margin | 5.19% |
| Efficiency ratio | 66.90% |
| Yield on earning assets | 6.28% |
| Cost of funds | 1.15% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.39% |
| Core deposits to total deposits | 81.34% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.25% |
| Securities to assets | 8.70% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 10.08% | 1.11% |
| Q4 2023 | — | — | — | 10.32% | 1.01% |
| Q1 2024 | — | — | — | 9.92% | 1.06% |
| Q2 2024 | — | — | — | 10.25% | 1.48% |
| Q3 2024 | 15.13% | 15.13% | 16.35% | 10.41% | 1.38% |
| Q4 2024 | 16.15% | 16.15% | 17.40% | 10.48% | 0.83% |
| Q1 2025 | — | — | — | 10.21% | 1.32% |
| Q2 2025 | — | — | — | 10.58% | 1.54% |
| Q3 2025 | — | — | — | 10.94% | 1.49% |
| Q4 2025 | — | — | — | 11.18% | 1.03% |
| Q1 2026 | — | — | — | 11.18% | 1.33% |
| Q2 2026 | — | — | — | 11.24% | 1.62% |
Bank of Walker County vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Walker County, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Walker County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57640) · FFIEC NIC profile (RSSD 3254297)