Dozier Bank
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Data as of · sourced from FFIEC call reports. How we update
Dozier Bank is an FDIC-insured commercial bank headquartered in Dozier, AL, established in 1910 (FDIC certificate 2794), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $54.8M, down 0.6% from Q2 2025, the 89th largest of 93 banks headquartered in Alabama. It reports no CET1 ratio; its Tier 1 leverage ratio was 26.77% 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
- 2794
- Headquarters
- Dozier, AL
- Established
- 1910
- Total assets, Q2 2026
- $54.8M
- Assets vs Q2 2025
- -0.6%
- Tier 1 leverage ratio, Q2 2026
- 26.77%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 062102849
- Latest call report
- Q2 2026, FFIEC 051 · Dozier Bank call report
- Holding company
- FIRST DOZIER BANCSHARES, INC.
- Asset rank in state
- 89th of 93 in Alabama
Problem loans are rising at Dozier Bank. The Dozier, Alabama bank had $55 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.84% of loans from 0.28% a year earlier. It shrank its loan book 10.8% over the year, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 2.6%). It also keeps 3.21 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.87 cents).
Earnings fell sharply: quarterly net income of $140,000 was 31% below a year earlier. Over the same year, loans shrank 10.8% and deposits shrank 3.0%.
As of June 30, 2026, Dozier Bank reported a return on assets of 0.99%, a nonperforming-loan ratio of 1.84% and a Texas ratio of 2.68%. The figures come from its call report filed with the FFIEC.
Dozier Bank ranks as the 89th largest of the 93 banks based in Alabama, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.5% to $54.8M, loans fell 8.0% and deposits fell 2.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 20.2% of total loans, ahead of non-owner-occupied commercial real estate loans at 20.1%. The FDIC Summary of Deposits lists a single office for it, in Dozier, AL. Judged on its Q2 2026 call report, Dozier Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 7825 S Main St, Dozier, AL 36028
- 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 10, 1910
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 5
- Domestic deposits
- $40.3M
- Allowance for credit losses
- $226K
- Net charge-offs (YTD)
- $0
- Average total assets
- $56.5M
- Average total loans
- $20.2M
- Average interest-bearing deposits
- $40.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2794
- Fed RSSD
- 496434
- Website
- www.dozierbank.com →
- Parent Holding Company
- FIRST DOZIER BANCSHARES, INC. (RSSD 3013793)
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, Dozier Bank 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, Dozier Bank's total assets ran between $52.0M (Q3 2023) and $55.7M (Q1 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
$54.8M total assets against $55.1M; $41.3M total liabilities against $42.6M.
$19.8M net loans and leases against $22.3M; $40.3M total deposits against $41.6M.
$20.3M securities against $21.4M; $11.3M cash and balances due against $8.1M.
$562K total interest income against $616K; $143K total interest expense against $188K.
$419K net interest income against $428K.
$25K total noninterest income against $43K; $265K total noninterest expense against $235K.
$0 provision for credit losses against $0.
$140K net income against $202K.
0.99% return on assets against 1.43%; 3.21% net interest margin against 3.30%.
26.77% tier 1 leverage ratio against 25.86%.
Inside the full Dozier Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeQuarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.73% (Q1 2025) to 1.43% (Q2 2025) and its net interest margin ran from 2.96% (Q1 2025) to 3.30% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 26.77% | 0.99% | 1.84% | 2.68% | 3.21% |
| Q1 2026 | 26.66% | 1.08% | 1.08% | 1.71% | 3.28% |
| Q4 2025 | 26.73% | 0.92% | 3.45% | 5.62% | 3.06% |
| Q3 2025 | 26.27% | 0.83% | 0.19% | 0.31% | 3.29% |
| Q2 2025 | 25.86% | 1.43% | 0.28% | 0.49% | 3.30% |
| Q1 2025 | 25.54% | 0.73% | 0.72% | 3.26% | 2.96% |
| Q4 2024 | 25.46% | 0.75% | 0.83% | 3.68% | 3.19% |
| Q3 2024 | 25.31% | 1.04% | 2.88% | 5.11% | 3.10% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Dozier Bank (main office) | Dozier , AL | 36028 | $40.3M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action August 2, 2017. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in AL, rank 122 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- 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
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Frequently asked about Dozier Bank
What are Dozier Bank's total assets?
As of the Q2 2026 filing, Dozier Bank reported total assets of $54.8 million in its FFIEC call report.
Where is Dozier Bank headquartered?
It is headquartered in Dozier, AL, United States.
When was Dozier Bank founded?
It was established in 1910, per the FDIC institution directory.
Is Dozier Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2794). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Dozier Bank?
Dozier Bank's primary federal regulator is the FDIC.
How many branches does Dozier Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Dozier Bank's Texas Ratio?
Its Texas Ratio is 2.68% 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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