Brantley Bank & Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Brantley Bank & Trust Company is an FDIC-insured commercial bank headquartered in Brantley, AL, established in 1946 (FDIC certificate 16386), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $126.9M, up 3.4% from Q2 2025, the 77th largest of 93 banks headquartered in Alabama. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.14% 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
- 16386
- Headquarters
- Brantley, AL
- Established
- 1946
- Total assets, Q2 2026
- $126.9M
- Assets vs Q2 2025
- +3.4%
- Tier 1 leverage ratio, Q2 2026
- 10.14%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 062105723
- Latest call report
- Q2 2026, FFIEC 051 · Brantley Bank & Trust Company call report
- Holding company
- BRANTLEY BANCORP, INC.
- Asset rank in state
- 77th of 93 in Alabama
Problem loans are rising at Brantley Bank & Trust Company. Based in Brantley, Alabama, it had $127 million in assets at June 30, 2026, up 3.4% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.55% of loans from 1.68% a year earlier. It keeps 5.15 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it carries problem assets equal to 19.0% of the capital and reserves that would absorb them, 7.2 times the median of 2.6% for banks its size.
The non-owner-occupied commercial real estate book ($9.5 million) is worsening: 7.14% of it is past due or on nonaccrual, up from 3.22% a year earlier. Net income for the quarter rose 18% from a year earlier, to $242,000. Costs are the weak spot: it spends about 76 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Brantley Bank & Trust Company reported a return on assets of 0.78%, a nonperforming-loan ratio of 2.55% and a Texas ratio of 18.96%. The figures come from its call report filed with the FFIEC.
Brantley Bank & Trust Company ranks as the 77th largest of the 93 banks based in Alabama, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 3.7% to $126.9M, loans rose 0.6% and deposits rose 3.8%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 22.2% of total loans, followed by 1-4 family residential loans at 20.0%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in AL; its Brantley office books 54% of its branch deposits. On its Q2 2026 call report, Brantley Bank & Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 9402 N Main St, Brantley, AL 36009
- County
- Crenshaw
- 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 6, 1946
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 31
- Domestic deposits
- $115.9M
- Allowance for credit losses
- $884K
- Net charge-offs (YTD)
- $129K
- Average total assets
- $123.8M
- Average total loans
- $76.2M
- Average interest-bearing deposits
- $85.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 6, 1946
- FDIC Cert
- 16386
- Fed RSSD
- 411231
- Website
- www.brantleybank.com →
- Parent Holding Company
- BRANTLEY BANCORP, INC. (RSSD 1084025)
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, Brantley Bank & Trust Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Brantley Bank & Trust Company's total assets ran between $105.2M (Q3 2023) and $126.9M (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
$126.9M total assets against $122.7M; $116.4M total liabilities against $113.1M.
$75.4M net loans and leases against $74.3M; $115.9M total deposits against $112.7M.
$28.9M securities against $24.2M; $16.1M cash and balances due against $17.7M.
$2.0M total interest income against $1.8M; $467K total interest expense against $552K.
$1.5M net interest income against $1.3M.
$169K total noninterest income against $140K; $1.3M total noninterest expense against $1.1M.
$90K provision for credit losses against $45K.
$242K net income against $205K.
0.78% return on assets against 0.68%; 5.15% net interest margin against 4.46%.
10.14% tier 1 leverage ratio against 10.02%.
Inside the full Brantley Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBrantley Bank & Trust Company rankings
Its closest position to the top of a national ranking is 195 of 3,640, for Texas Ratio; its furthest is 3,096 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.23% (Q1 2025) to 0.88% (Q3 2024) and its net interest margin ran from 4.13% (Q1 2025) to 5.15% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.14% | 0.78% | 2.55% | 18.96% | 5.15% |
| Q1 2026 | 10.48% | 0.73% | 2.42% | 18.44% | 4.82% |
| Q4 2025 | 10.30% | 0.72% | 1.78% | 14.04% | 4.76% |
| Q3 2025 | 10.29% | 0.75% | 1.90% | 12.42% | 4.54% |
| Q2 2025 | 10.02% | 0.68% | 1.68% | 12.30% | 4.46% |
| Q1 2025 | 10.54% | 0.23% | 3.02% | 22.79% | 4.13% |
| Q4 2024 | 10.63% | 0.27% | 2.72% | 21.77% | 4.19% |
| Q3 2024 | 11.21% | 0.88% | 1.97% | 14.34% | 4.20% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Brantley Bank and Trust Company | Brantley , AL | 36009 | $62.2M |
| Pike Road Branch | Pike Road , AL | 36064 | $18.8M |
| South Montgomery County Branch | Ramer , AL | 36069 | $17.9M |
| Luverne Branch | Luverne , AL | 36049 | $17.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in AL, rank 100 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 68 applications, 45 loans originated, $7.2M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $400K approved, $400K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2000 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Brantley Bank & Trust Company
What are Brantley Bank & Trust Company's total assets?
As of the Q2 2026 filing, Brantley Bank & Trust Company reported total assets of $126.9 million in its FFIEC call report.
Where is Brantley Bank & Trust Company headquartered?
It is headquartered in Brantley, AL, United States.
When was Brantley Bank & Trust Company founded?
It was established in 1946, per the FDIC institution directory.
Is Brantley Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16386). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Brantley Bank & Trust Company?
Brantley Bank & Trust Company's primary federal regulator is the FDIC.
How many branches does Brantley Bank & Trust Company operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Brantley Bank & Trust Company's Texas Ratio?
Its Texas Ratio is 18.96% 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.
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