Asset Quality ranking · Alabama · Call report data as of September 30, 2026
Alabama Banks: Highest CRE Delinquency
22nd State Banking Company has the highest commercial real estate noncurrent rate of the 62 ranked banks headquartered in Alabama, at 8.11% as of September 30, 2026. The median among the 62 ranked Alabama banks is 0.06%, against 0.19% for all US banks. That top value sits far outside the middle half of ranked banks (0.00% to 0.52%). A rate this far from the middle usually comes from a few large problem loans or from lending to borrowers with lower credit scores, so read it beside the bank's dollar amounts and its trend.
This list ranks Alabama banks by commercial real estate noncurrent rate. For the largest banks headquartered in Alabama, see largest banks in Alabama.
- No. 1 in Alabama
- 22nd State Banking Company
- Its CRE noncurrent
- 8.11%
- Alabama median
- 0.06%
- Banks ranked
- 62
Ranked among banks headquartered in Alabama, numbered 1 to 62 within the state from the same population as the national list. Browse every bank in the Alabama bank directory.
Top 62 Alabama banks by commercial real estate noncurrent rate
Highest first. Select a column heading to sort. The gap column shows each bank's distance from the Alabama median of 0.06%. Missing values show as a dash and sort last.
| 1 | 22nd State Banking Company Mobile, AL | 8.11% | $302.5M $100M to $1B |
| 2 | Evabank Eva, AL | 7.27% | $487.8M $100M to $1B |
| 3 | First Bank of Alabama Talladega, AL | 4.32% | $1.35B $1B to $10B |
| 4 | Brantley Bank & Trust Company Brantley, AL | 3.99% | $129.8M $100M to $1B |
| 5 | First Financial Bank Bessemer, AL | 3.38% | $246.1M $100M to $1B |
| 6 | United Bank Atmore, AL | 3.06% | $1.48B $1B to $10B |
| 7 | First Southern Bank Florence, AL | 2.64% | $634.0M $100M to $1B |
| 8 | Marion Community Bank Marion, AL | 2.24% | $364.8M $100M to $1B |
| 9 | The Hometown Bank of Alabama Oneonta, AL | 2.04% | $650.8M $100M to $1B |
| 10 | Regions Bank Birmingham, AL | 1.97% | $161.17B $100B and over |
| 11 | First Citizens Bank Luverne, AL | 1.13% | $403.4M $100M to $1B |
| 12 | Traditions Bank Cullman, AL | 0.91% | $895.1M $100M to $1B |
| 13 | Southpoint Bank Birmingham, AL | 0.89% | $1.25B $1B to $10B |
| 14 | Friend Bank Slocomb, AL | 0.85% | $218.8M $100M to $1B |
| 15 | CB&S Bank, Inc. Russellville, AL | 0.81% | $3.06B $1B to $10B |
| 16 | Peoples Bank of Alabama Cullman, AL | 0.55% | $1.44B $1B to $10B |
| 17 | Farmers and Merchants Bank Lafayette, AL | 0.45% | $303.9M $100M to $1B |
| 18 | ServisFirst Bank Homewood, AL | 0.43% | $18.32B $10B to $100B |
| 19 | Farmers & Merchants Bank Piedmont, AL | 0.41% | $306.9M $100M to $1B |
| 20 | Troy Bank & Trust Company Troy, AL | 0.30% | $1.58B $1B to $10B |
| 21 | River Bank & Trust Prattville, AL | 0.27% | $4.09B $1B to $10B |
| 22 | Midsouth Bank Dothan, AL | 0.26% | $769.7M $100M to $1B |
| 23 | Metro Bank Pell City, AL | 0.23% | $1.20B $1B to $10B |
| 24 | Amerifirst Bank Montgomery, AL | 0.22% | $358.0M $100M to $1B |
| 25 | First US Bank Birmingham, AL | 0.17% | $1.16B $1B to $10B |
| 26 | Bryant Bank Tuscaloosa, AL | 0.16% | $3.07B $1B to $10B |
| 27 | The Exchange Bank of Alabama Altoona, AL | 0.12% | $386.3M $100M to $1B |
| 28 | Peoplestrust Bank Hamilton, AL | 0.09% | $204.6M $100M to $1B |
| 29 | First Community Bank of Central Alabama Wetumpka, AL | 0.07% | $699.2M $100M to $1B |
| 30 | Bank Independent Sheffield, AL | 0.06% | $2.86B $1B to $10B |
| 31 | West Alabama Bank & Trust Reform, AL | 0.06% | $919.6M $100M to $1B |
| 32 | Southern Independent Bank Opp, AL | 0.05% | $392.8M $100M to $1B |
| 33 | State Bank & Trust Winfield, AL | 0.05% | $433.2M $100M to $1B |
| 34 | Robertson Banking Company Demopolis, AL | 0.02% | $480.9M $100M to $1B |
| 35 | Oakworth Capital Bank Birmingham, AL | 0.00% | $2.23B $1B to $10B |
| 36 | Citizens Bank & Trust Guntersville, AL | 0.00% | $1.16B $1B to $10B |
| 37 | Commerceone Bank Birmingham, AL | 0.00% | $1.03B $1B to $10B |
| 38 | Auburnbank Auburn, AL | 0.00% | $1.02B $1B to $10B |
| 39 | First Metro Bank Muscle Shoals, AL | 0.00% | $988.2M $100M to $1B |
| 40 | First Southern State Bank Stevenson, AL | 0.00% | $924.3M $100M to $1B |
| 41 | Central State Bank Calera, AL | 0.00% | $875.1M $100M to $1B |
| 42 | CCB Community Bank Andalusia, AL | 0.00% | $685.9M $100M to $1B |
| 43 | Merit Bank Huntsville, AL | 0.00% | $605.8M $100M to $1B |
| 44 | Noblebank & Trust Anniston, AL | 0.00% | $469.9M $100M to $1B |
| 45 | Cullman Savings Bank Cullman, AL | 0.00% | $469.1M $100M to $1B |
| 46 | First Jackson Bank Stevenson, AL | 0.00% | $459.3M $100M to $1B |
| 47 | The Bank of Vernon Vernon, AL | 0.00% | $450.2M $100M to $1B |
| 48 | Premier Bank of the South Cullman, AL | 0.00% | $382.2M $100M to $1B |
| 49 | Pinnacle Bank Jasper, AL | 0.00% | $378.4M $100M to $1B |
| 50 | First National Bank Hamilton, AL | 0.00% | $374.1M $100M to $1B |
| 51 | First State Bank of Dekalb County, Inc. Fort Payne, AL | 0.00% | $355.5M $100M to $1B |
| 52 | Phenix-Girard Bank Phenix City, AL | 0.00% | $322.2M $100M to $1B |
| 53 | HNB First Bank Headland, AL | 0.00% | $297.3M $100M to $1B |
| 54 | Liberty Bank Geraldine, AL | 0.00% | $264.7M $100M to $1B |
| 55 | First National Bank and Trust Atmore, AL | 0.00% | $236.4M $100M to $1B |
| 56 | Community Spirit Bank Red Bay, AL | 0.00% | $232.4M $100M to $1B |
| 57 | The Citizens Bank Enterprise, AL | 0.00% | $230.2M $100M to $1B |
| 58 | Banksouth Dothan, AL | 0.00% | $228.9M $100M to $1B |
| 59 | Union State Bank Pell City, AL | 0.00% | $212.8M $100M to $1B |
| 60 | Millennial Bank Leeds, AL | 0.00% | $211.0M $100M to $1B |
| 61 | First Cahawba Bank Selma, AL | 0.00% | $196.0M $100M to $1B |
| 62 | North Alabama Bank Hazel Green, AL | 0.00% | $180.2M $100M to $1B |
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Definition and formula
The commercial real estate (CRE) noncurrent rate on this list is the share of a bank's loans secured by nonfarm nonresidential property, such as offices, stores, warehouses and hotels, that are on nonaccrual or 90 or more days past due and still accruing. Owner-occupied and investor-owned property are both included. Multifamily and construction loans are reported on their own lines of the call report and are not.
CRE noncurrent rate = (Nonfarm nonresidential loans on nonaccrual + Nonfarm nonresidential loans 90+ days past due and still accruing) / Nonfarm nonresidential loans
The glossary entry for Commercial Real Estate Loans explains each term, the call report items behind it and a worked example.
Which banks are ranked
This list ranks the 62 banks headquartered in Alabama that meet every rule below, using each bank's latest FFIEC call report (data as of September 30, 2026).
- Banks with at least $100M in total assets, so a ratio on a very small balance sheet cannot lead the list.
- Banks with at least $25M in nonfarm nonresidential (commercial property) loans, so a rate on a few loans cannot lead the list.
- Lending institutions only: charters with loans under 5% of assets, mostly trust and custody banks, are not ranked.
- Charters the regulator has closed, merged or converted are excluded.
- Each bank charter ranks on its own; holding companies are not combined.
What moves the CRE noncurrent rate
The rate rises when tenants leave or rents fall far enough that a property's income no longer covers its loan payments, as has happened to many office buildings since 2020, and when a maturing loan cannot be refinanced at current rates. Owner-occupied loans depend more on the borrower's business than on the building, so a bank whose book is mostly owner-occupied tends to run a lower rate. A single large loan can move a small bank's rate by several points, so compare it with the dollar amounts and the trend.
Frequently asked questions
Which bank in Alabama has the highest commercial real estate noncurrent rate?
22nd State Banking Company has the highest commercial real estate noncurrent rate of the 62 ranked banks headquartered in Alabama, at 8.11% as of September 30, 2026, according to its FFIEC call report. Evabank ranks second at 7.27%. The median is 0.06%.
What is the median CRE noncurrent rate among ranked US banks?
As of Q3 2026, CRE noncurrent rate for the middle half of the 2,776 ranked US banks ran from 0.00% to 1.05%, and the median was 0.19%. Compare a bank with peers of the same size and business model rather than with the top of this list. See the Commercial Real Estate Loans glossary entry.
How is the CRE noncurrent rate calculated?
CRE noncurrent rate = (Nonfarm nonresidential loans on nonaccrual + Nonfarm nonresidential loans 90+ days past due and still accruing) / Nonfarm nonresidential loans. Each bank charter is ranked on its own; holding companies are not combined. See the Commercial Real Estate Loans glossary entry.
The same ranking in other states
Other Alabama rankings
More asset quality rankings
Source: FFIEC call reports for the quarter ended September 30, 2026, refreshed as each quarter's filings are processed. See data updates for the current freshness window. Next update: Q4 2026 Call Reports are due February 1, 2027; we expect them on the platform by mid-February 2027.
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