North Alabama Bank
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Data as of · sourced from FFIEC call reports. How we update
North Alabama Bank is an FDIC-insured commercial bank headquartered in Hazel Green, AL, established in 1989 (FDIC certificate 27560), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $178.6M, down 0.1% from Q2 2025, the 67th largest of 93 banks headquartered in Alabama. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.73% 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
- 27560
- Headquarters
- Hazel Green, AL
- Established
- 1989
- Total assets, Q2 2026
- $178.6M
- Assets vs Q2 2025
- -0.1%
- Tier 1 leverage ratio, Q2 2026
- 11.73%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 062204022
- Latest call report
- Q2 2026, FFIEC 051 · North Alabama Bank call report
- Holding company
- BOLC CORP.
- Asset rank in state
- 67th of 93 in Alabama
North Alabama Bank earns an unusually wide margin on its lending. Its balance sheet stood at $179 million at June 30, 2026; it is based in Hazel Green, Alabama. It keeps 5.56 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). It also shrank its loan book 1.4% over the year, lower than about three-quarters of banks its size (median 5.5%).
As of June 30, 2026, North Alabama Bank reported a return on assets of 1.56%, a nonperforming-loan ratio of 0.15% and a Texas ratio of 0.98%. The figures come from its call report filed with the FFIEC.
North Alabama Bank ranks as the 67th largest of the 93 banks based in Alabama, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.6% to $178.6M, loans rose 1.2% and deposits rose 1.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 33.3% of total loans, followed by owner-occupied commercial real estate loans at 17.6%. Its 4 offices in the FDIC Summary of Deposits are in Hazel Green, AL, Huntsville, AL and Ardmore, AL; its Hazel Green office books 49% of its branch deposits. On its Q2 2026 call report, North Alabama Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 13914 Highway 231 431 N, Hazel Green, AL 35750
- County
- Madison
- Metro Area
- Huntsville, 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
- August 14, 1989
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 42
- Domestic deposits
- $156.0M
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- $37K
- Average total assets
- $175.9M
- Average total loans
- $138.6M
- Average interest-bearing deposits
- $113.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 14, 1989
- FDIC Cert
- 27560
- Fed RSSD
- 1402384
- Website
- www.northalabamabank.com →
- Parent Holding Company
- BOLC CORP. (RSSD 5140312)
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, North Alabama Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, North Alabama Bank's total assets ranged from $167.2M (Q3 2023) to $181.1M (Q3 2025), 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
$178.6M total assets against $178.7M; $158.2M total liabilities against $160.7M.
$137.9M net loans and leases against $139.9M; $156.0M total deposits against $155.3M.
$11.2M securities against $11.4M; $15.9M cash and balances due against $13.4M.
$3.0M total interest income against $3.1M; $772K total interest expense against $868K.
$2.2M net interest income against $2.2M.
$220K total noninterest income against $213K; $1.6M total noninterest expense against $1.5M.
$0 provision for credit losses against $30K.
$685K net income against $740K.
1.56% return on assets against 1.65%; 5.56% net interest margin against 5.32%.
11.73% tier 1 leverage ratio against 10.22%.
Inside the full North Alabama Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeNorth Alabama Bank rankings
Its closest position to the top of a national ranking is 1,182 of 3,611, for ROA; its furthest is 3,110 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.33% (Q1 2025) to 1.93% (Q4 2025) and its net interest margin ran from 5.00% (Q4 2024) to 5.78% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.73% | 1.56% | 0.15% | 0.98% | 5.56% |
| Q1 2026 | 11.28% | 1.50% | 0.02% | 0.15% | 5.48% |
| Q4 2025 | 10.79% | 1.93% | 0.55% | 3.85% | 5.78% |
| Q3 2025 | 10.44% | 1.49% | 0.31% | 2.25% | 5.30% |
| Q2 2025 | 10.22% | 1.65% | 0.14% | 1.08% | 5.32% |
| Q1 2025 | 9.92% | 1.33% | 0.22% | 1.80% | 5.04% |
| Q4 2024 | 9.94% | 1.47% | 0.21% | 1.72% | 5.00% |
| Q3 2024 | 9.89% | 1.36% | 0.08% | 0.63% | 5.05% |
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 |
|---|---|---|---|
| North Alabama Bank (main office) | Hazel Green , AL | 35750 | $76.5M |
| Winchester Road Branch | Huntsville , AL | 35811 | $29.3M |
| Providence Branch | Huntsville , AL | 35806 | $26.0M |
| North Alabama Bank Ardmore Branch | Ardmore , AL | 35739 | $24.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in AL, rank 90 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 40 applications, 37 loans originated, $5.3M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, 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 North Alabama Bank
What are North Alabama Bank's total assets?
As of the Q2 2026 filing, North Alabama Bank reported total assets of $178.6 million in its FFIEC call report.
Where is North Alabama Bank headquartered?
It is headquartered in Hazel Green, AL, United States.
When was North Alabama Bank founded?
It was established in 1989, per the FDIC institution directory.
Is North Alabama Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #27560). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates North Alabama Bank?
North Alabama Bank's primary federal regulator is the FDIC.
How many branches does North Alabama Bank 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 North Alabama Bank's Texas Ratio?
Its Texas Ratio is 0.98% 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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