West Alabama Bank & Trust
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Data as of · sourced from FFIEC call reports. How we update
West Alabama Bank & Trust is an FDIC-insured commercial bank headquartered in Reform, AL, established in 1944 (FDIC certificate 16175), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $929.0M, down 1.9% from Q2 2025, the 19th largest of 93 banks headquartered in Alabama. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.22% 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
- 16175
- Headquarters
- Reform, AL
- Established
- 1944
- Total assets, Q2 2026
- $929.0M
- Assets vs Q2 2025
- -1.9%
- Tier 1 leverage ratio, Q2 2026
- 12.22%
- Domestic offices
- 16 FDIC institution directory, current count
- Routing number
- 062205704
- Latest call report
- Q2 2026, FFIEC 051 · West Alabama Bank & Trust call report
- Holding company
- WEST ALABAMA CAPITAL CORP.
- Asset rank in state
- 19th of 93 in Alabama
West Alabama Bank & Trust, based in Reform, Alabama, reported $929 million in assets at June 30, 2026, down 1.9% from a year earlier. It lost 1.9% of its deposits over the year, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 4.0%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $35 million equal 30% of Tier 1 capital, down from 39% a year earlier. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.44% of loans from 0.88%.
As of June 30, 2026, West Alabama Bank & Trust reported a return on assets of 1.25%, a nonperforming-loan ratio of 0.44% and a Texas ratio of 7.03%. The figures come from its call report filed with the FFIEC.
West Alabama Bank & Trust ranks as the 19th largest of the 93 banks based in Alabama, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.1% to $929.0M, loans rose 2.9% and deposits fell 0.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 24.8% of total loans, ahead of owner-occupied commercial real estate loans at 18.7%. Its 16 offices in the FDIC Summary of Deposits are in 15 cities in AL; its Reform office books 18% of its branch deposits. Judged on its Q2 2026 call report, West Alabama Bank & Trust meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 509 1st Ave W, Reform, AL 35481
- County
- Pickens
- Metro Area
- Tuscaloosa, 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
- July 29, 1944
- Former names
- West Alabama Bank (1984-1987)
- Domestic offices
- 16 FDIC institution directory, current count
- Employees (FTE)
- 159
- Domestic deposits
- $806.4M
- Allowance for credit losses
- $7.1M
- Net charge-offs (YTD)
- $465K
- Average total assets
- $962.3M
- Average total loans
- $597.1M
- Average interest-bearing deposits
- $577.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 29, 1944
- FDIC Cert
- 16175
- Fed RSSD
- 501132
- Website
- www.wabt.com →
- Parent Holding Company
- WEST ALABAMA CAPITAL CORP. (RSSD 1085255)
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, West Alabama Bank & Trust 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, West Alabama Bank & Trust's total assets ranged from $881.1M (Q3 2023) to $1.00B (Q4 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
$929.0M total assets against $946.6M; $831.3M total liabilities against $862.6M.
$596.7M net loans and leases against $588.4M; $806.4M total deposits against $822.1M.
$220.1M securities against $222.1M; $41.5M cash and balances due against $72.1M.
$12.0M total interest income against $12.6M; $4.1M total interest expense against $4.9M.
$7.9M net interest income against $7.6M.
$1.9M total noninterest income against $1.6M; $5.3M total noninterest expense against $5.2M.
$275K provision for credit losses against $200K.
$3.0M net income against $3.0M.
1.25% return on assets against 1.21%; 3.57% net interest margin against 3.34%.
12.22% tier 1 leverage ratio against 11.13%.
Inside the full West Alabama Bank & Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWest Alabama Bank & Trust rankings
Its closest position to the top of a national ranking is 944 of 3,640, for Texas Ratio; its furthest is 1,881 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.86% (Q4 2024) to 1.28% (Q1 2026) and its net interest margin ran from 3.01% (Q3 2024) to 3.58% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.22% | 1.25% | 0.44% | 7.03% | 3.57% |
| Q1 2026 | 12.03% | 1.28% | 0.40% | 6.88% | 3.58% |
| Q4 2025 | 11.44% | 1.06% | 0.45% | 8.14% | 3.42% |
| Q3 2025 | 11.32% | 1.06% | 1.00% | 8.37% | 3.33% |
| Q2 2025 | 11.13% | 1.21% | 0.89% | 8.61% | 3.34% |
| Q1 2025 | 11.04% | 1.00% | 0.95% | 9.04% | 3.19% |
| Q4 2024 | 10.91% | 0.86% | 0.91% | 9.53% | 3.12% |
| Q3 2024 | 10.91% | 0.97% | 0.57% | 3.71% | 3.01% |
Swipe the table sideways to see every column.
Branch Network
View all 16 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 |
|---|---|---|---|
| West Alabama Bank & Trust (main office) | Reform , AL | 35481 | $146.7M |
| Northport Branch | Northport , AL | 35476 | $93.1M |
| West Pusmataha Street Branch | Butler , AL | 36904 | $81.5M |
| Aliceville Branch | Aliceville , AL | 35442 | $78.9M |
| Livingston Branch | Livingston , AL | 35470 | $69.6M |
| Carrollton Branch | Carrollton , AL | 35447 | $67.5M |
| Fayette Branch | Fayette , AL | 35555 | $53.1M |
| Millport Branch | Millport , AL | 35576 | $48.0M |
| Gordo Branch | Gordo , AL | 35466 | $44.6M |
| Tuscaloosa Branch | Tuscaloosa , AL | 35405 | $34.2M |
| Birmingham Branch | Birmingham , AL | 35223 | $23.5M |
| Perry County Branch | Marion , AL | 36756 | $22.2M |
| Fairhope Branch | Fairhope , AL | 36532 | $20.6M |
| Woodstock Branch | Woodstock , AL | 35188 | $17.6M |
| Ethelsville Branch | Ethelsville , AL | 35461 | $5.3M |
| Drive-In Branch | Aliceville , AL | 35442 | $0 |
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 |
|---|---|---|---|
| January 1, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2006 | Structure Change | Acquired Merchants & Farmers Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 2000 | Structure Change | Acquired The Perry County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 19, 1990 | Structure Change | Acquired Phenix FS&LA F.A. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 17, 1989 | Structure Change | Acquired First State Bank of Carrollton, Alabama Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 16, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 18, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 17, 1987 | Structure Change | Acquired Aliceville Bank & Trust Company 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 9 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.6% of deposits in AL, rank 35 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 West Alabama Bank & Trust
What are West Alabama Bank & Trust's total assets?
As of the Q2 2026 filing, West Alabama Bank & Trust reported total assets of $929.0 million in its FFIEC call report.
Where is West Alabama Bank & Trust headquartered?
It is headquartered in Reform, AL, United States.
When was West Alabama Bank & Trust founded?
It was established in 1944, per the FDIC institution directory.
Is West Alabama Bank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16175). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates West Alabama Bank & Trust?
West Alabama Bank & Trust's primary federal regulator is the FDIC.
How many branches does West Alabama Bank & Trust operate?
It operates 16 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is West Alabama Bank & Trust's Texas Ratio?
Its Texas Ratio is 7.03% 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.
What was West Alabama Bank & Trust previously called?
The charter now named West Alabama Bank & Trust has also operated as West Alabama Bank (1984-1987), per FDIC structure-change records.
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