Bank Comparison
West Alabama Bank & Trust vs U.S. Bank Trust N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 9
winning metrics across 14 comparable rows
Capital adequacy
| Metric | West Alabama Bank & Trust | U.S. Bank Trust N.A. |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 12.03% | 99.25% |
| Equity / Assets | 10.35% | 97.90% |
Profitability
| Metric | West Alabama Bank & Trust | U.S. Bank Trust N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.28% | 7.32% |
| Return on Equity (ROE) | 12.98% | 7.44% |
| Net Interest Margin (NIM) | 3.54% | 3.79% |
| Yield on Earning Assets | 5.35% | 3.79% |
| Cost of Funds | 1.86% | — |
Asset quality
| Metric | West Alabama Bank & Trust | U.S. Bank Trust N.A. |
|---|---|---|
| Texas Ratio | 7.07% | 0.00% |
| Non-Performing Loan Ratio | 0.42% | — |
| Non-Performing Asset Ratio | 0.73% | 0.00% |
| Net Charge-Off Ratio | 0.20% | — |
| ACL / Loans | 1.20% | — |
Balance sheet
| Metric | West Alabama Bank & Trust | U.S. Bank Trust N.A. |
|---|---|---|
| Total Assets | $928,249K | $929,662K |
| Total Deposits | $808,099K | $0 |
| Total Loans | $586,663K | $0 |
| Total Equity | $96,067K | $910,169K |
| Net Income (quarter) | $3,077K | $16,773K |
Liquidity & funding
| Metric | West Alabama Bank & Trust | U.S. Bank Trust N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 72.60% | — |
| Core Deposit Ratio | 84.04% | — |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | West Alabama Bank & Trust | U.S. Bank Trust N.A. |
|---|---|---|
| Headquarters City | REFORM | WILMINGTON |
| Headquarters State | AL | DE |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | — |
| Regulator | FDIC | — |
| Domestic Branches | 16 | — |
| Employees (FTE) | 160 | 5 |
| Established | July 29, 1944, midnight | — |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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