West Alabama Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks West Alabama Bank & Trust of Reform, AL against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.25% | 1.34% | -0.09% | 49th below |
| ROAE Behind the peer average, ahead of the median peer. | 12.47% | 13.32% | -0.85% | 51st above |
| Net Interest Margin | 3.57% | 3.93% | -0.36% | 30th below |
| Efficiency Ratio | 53.72% | 61.15% | -7.43% | 73rd above |
| PPNR / Avg Assets | 1.87% | 1.68% | +0.19% | 66th above |
| Yield on Earning Assets | 5.39% | 5.67% | -0.28% | 40th below |
| Cost of Funds | 2.03% | 1.88% | +0.15% | 36th below |
| Net Interest Spread | 2.76% | 3.32% | -0.56% | 23rd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.46% | 0.94% | -0.48% | 47th below |
| NPA / Total Assets | 0.75% | 0.70% | +0.05% | 28th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.11% | 0.16% | -0.05% | 18th bottom |
| ACL / Total Loans | 1.18% | 1.28% | -0.10% | 48th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 255.44% | 1539.94% | -1284.50% | 55th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 7.14% | 7.33% | -0.19% | 31st below |
| Provision / NCO | 96.77% | 1397.27% | -1300.50% | 39th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.22% | 12.14% | +0.08% | 67th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.51% | 11.38% | -0.87% | 53rd above |
| TCE / Tangible Assets | 9.83% | 11.09% | -1.26% | 46th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.88% | 80.64% | -5.76% | 62nd above |
| Core Deposit Ratio | 83.79% | 86.86% | -3.07% | 26th below |
| Wholesale Funding Ratio | 2.15% | 5.04% | -2.89% | 66th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.86% | 6.86% | -8.72% | 11th bottom |
| Loan Growth (Y/Y) | 1.44% | 7.91% | -6.47% | 28th below |
| Deposit Growth (Y/Y) | -1.90% | 6.30% | -8.20% | 14th bottom |
See West Alabama Bank & Trust's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock West Alabama Bank & Trust, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full West Alabama Bank & Trust profile, how to read a UBPR, or how this data updates.