Oakworth Capital Bank
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Data as of · sourced from FFIEC call reports. How we update
Oakworth Capital Bank is an FDIC-insured commercial bank headquartered in Birmingham, AL, established in 2008 (FDIC certificate 58783), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.13B, up 15.3% from Q2 2025, the 7th largest of 93 banks headquartered in Alabama. Its CET1 capital ratio was 10.73% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58783
- Headquarters
- Birmingham, AL
- Established
- 2008
- Total assets, Q2 2026
- $2.13B
- Assets vs Q2 2025
- +15.3%
- CET1 ratio, Q2 2026
- 10.73%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 062006709
- Latest call report
- Q2 2026, FFIEC 051 · Oakworth Capital Bank call report
- Holding company
- OAKWORTH CAPITAL, INC.
- Asset rank in state
- 7th of 93 in Alabama
Problem loans are rising at Oakworth Capital Bank. Based in Birmingham, Alabama, it had $2.1 billion in assets at June 30, 2026, up 15.3% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.68% of loans from 0.04% a year earlier. It holds common equity equal to 10.73% of its risk-weighted assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 13.52%). It also holds about half of its deposits (57%) above the FDIC insurance limit, about double the median of 30.9% for banks its size.
Earnings jumped: net income for the quarter was $6.6 million, 32% above the same quarter a year earlier. Delinquency has appeared in its $679 million commercial and industrial book: 1.82% of those loans are past due or on nonaccrual, against almost none a year earlier.
As of June 30, 2026, Oakworth Capital Bank reported a CET1 capital ratio of 10.73%, a return on assets of 1.26%, a nonperforming-loan ratio of 0.68% and a Texas ratio of 6.61%. The figures come from its call report filed with the FFIEC.
Of the 93 banks headquartered in Alabama, Oakworth Capital Bank is the 7th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 4.4% to $2.13B, loans rose 3.6% and deposits fell 1.5%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 39.4% of total loans, followed by non-owner-occupied commercial real estate loans at 15.4%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities across 3 states; its Birmingham office books 78% of its branch deposits. Judged on its Q2 2026 call report, Oakworth Capital Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 850 Shades Creek Pkwy, Birmingham, AL 35209
- County
- Jefferson
- Metro Area
- Birmingham, 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- March 31, 2008
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 170
- Domestic deposits
- $1.77B
- Allowance for credit losses
- $20.8M
- Net charge-offs (YTD)
- $1.8M
- Average total assets
- $2.08B
- Average total loans
- $1.69B
- Average interest-bearing deposits
- $1.43B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 31, 2008
- FDIC Cert
- 58783
- Fed RSSD
- 3720608
- SEC CIK
- 1588871 → filed by OAKWORTH CAPITAL, INC.
- Website
- www.oakworth.com →
- Parent Holding Company
- OAKWORTH CAPITAL, INC. (RSSD 4503910) · OAKC
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Oakworth Capital Bank's total assets moved between a low of $1.45B (Q3 2023) and a high of $2.13B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.13B total assets against $1.85B; $1.94B total liabilities against $1.68B.
$1.71B net loans and leases against $1.48B; $1.77B total deposits against $1.58B.
$226.1M securities against $175.5M; $132.1M cash and balances due against $128.3M.
$30.0M total interest income against $28.0M; $10.9M total interest expense against $11.5M.
$19.1M net interest income against $16.5M.
$5.0M total noninterest income against $4.1M; $13.4M total noninterest expense against $12.8M.
$2.0M provision for credit losses against $1.2M.
$6.6M net income against $5.0M.
1.26% return on assets against 1.09%; 3.80% net interest margin against 3.75%.
10.73% CET1 capital ratio against 10.90%; 9.60% tier 1 leverage ratio against 9.73%.
Inside the full Oakworth Capital Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Oakworth Capital Bank rankings
Its closest position to the top of a national ranking is 51 of 980, for uninsured deposits; its furthest is 2,013 of 2,134, for CET1 ratio.
Metric pages for Oakworth Capital Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.05% (Q4 2024) to 1.26% (Q2 2026) and its net interest margin ran from 3.60% (Q3 2024) to 3.81% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.73% | 1.26% | 0.68% | 6.61% | 3.80% |
| Q1 2026 | 10.61% | 1.10% | 0.73% | 7.11% | 3.70% |
| Q4 2025 | 10.74% | 1.16% | 0.03% | 1.94% | 3.70% |
| Q3 2025 | 11.03% | 1.21% | 0.04% | 2.50% | 3.81% |
| Q2 2025 | 10.90% | 1.09% | 0.04% | 3.16% | 3.75% |
| Q1 2025 | 10.64% | 1.23% | 0.65% | 8.37% | 3.71% |
| Q4 2024 | 10.51% | 1.05% | 0.02% | 3.29% | 3.71% |
| Q3 2024 | 9.67% | 1.10% | 0.00% | 3.22% | 3.60% |
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 |
|---|---|---|---|
| Oakworth Capital Bank (main office) | Birmingham , AL | 35209 | $1.38B |
| Middle Tennessee Office Branch | Brentwood , TN | 37027 | $162.6M |
| Mobile Office | Mobile , AL | 36602 | $150.9M |
| Central Carolinas Office Branch | Charlotte , NC | 28210 | $75.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 1, 2015 | Structure Change | Acquired Alatrust, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.1% of deposits in AL, rank 18 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 26 applications, 25 loans originated, $24.9M originated, across 2 states
- Period: Calendar year 2019. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $1.7M approved, $857K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (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 Oakworth Capital Bank
What are Oakworth Capital Bank's total assets?
As of the Q2 2026 filing, Oakworth Capital Bank reported total assets of $2.13 billion in its FFIEC call report.
Where is Oakworth Capital Bank headquartered?
It is headquartered in Birmingham, AL, United States.
When was Oakworth Capital Bank founded?
It was established in 2008, per the FDIC institution directory.
Is Oakworth Capital Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58783). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Oakworth Capital Bank?
Oakworth Capital Bank's primary federal regulator is the FDIC.
What is Oakworth Capital Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.73% in its Q2 2026 call report, above regulatory requirements.
How many branches does Oakworth Capital 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 Oakworth Capital Bank's Texas Ratio?
Its Texas Ratio is 6.61% 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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