West Alabama Bank & Trust: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
West Alabama Bank & Trust is the primary bank subsidiary of its parent holding company, headquartered in Reform, AL. As of Q2 2026, the bank held approximately $929M in total assets and $806M in deposits. The bank posts a strong 1.25% ROA and 12.47% ROE. Under the simplified Community Bank Leverage Ratio framework, leverage of 12.22% exceeds the CBLR threshold. Credit metrics are pristine, with nonperforming loans at just 0.46%. Its footprint covers 16 branches concentrated in Alabama.
As of June 30, 2026, West Alabama Bank & Trust reported a Tier 1 leverage ratio of 12.22%, a return on assets of 1.25%, a nonperforming-loan ratio of 0.46%, a Texas ratio of 7.14%, per financial data filed with the FFIEC.
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)
- Offices
- 16 domestic
- 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
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full West Alabama Bank & Trust terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock West Alabama Bank & Trust, freeWest Alabama Bank & Trust rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.22% | 1.25% | 0.46% | 7.14% | 3.57% |
| Q1 2026 | 12.03% | 1.28% | 0.42% | 7.07% | 3.58% |
| Q4 2025 | 11.44% | 1.06% | 0.47% | 8.34% | 3.42% |
| Q3 2025 | 11.32% | 1.06% | 1.01% | 8.57% | 3.33% |
| Q2 2025 | 11.13% | 1.21% | 0.34% | 8.83% | 3.34% |
| Q1 2025 | 11.04% | 1.00% | 0.39% | 9.27% | 3.19% |
| Q4 2024 | 10.91% | 0.86% | 0.93% | 9.78% | 3.12% |
| Q3 2024 | 10.91% | 0.97% | 0.59% | 3.93% | 3.01% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 16 branches →
| 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
What the public regulatory sources show for West Alabama Bank & Trust, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.6% of deposits in AL, rank 35 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is West Alabama Bank & Trust headquartered?
West Alabama Bank & Trust is headquartered in Reform, AL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was West Alabama Bank & Trust founded?
West Alabama Bank & Trust was established in 1944, per the FDIC institution directory.
Is West Alabama Bank & Trust FDIC-insured?
Yes. West Alabama Bank & Trust 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does West Alabama Bank & Trust operate?
West Alabama Bank & Trust 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?
West Alabama Bank & Trust's Texas Ratio is 7.14% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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