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West Alabama Bank & Trust

$100M-$1B Specialty: Commercial AL FDIC cert 16175

Designations: ✓ CDFI-certified

Reform, AL

16 branches across AL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 63 in AL.
  • Deposits -1.9% year over year ($806.4M on the books).
  • Delinquency rate 0.45%.
  • Return on assets 1.28%.
  • Efficiency ratio 54.87% vs a 64.48% peer average.
  • Loan-to-deposit ratio 74.00% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 63 in AL
View $100M-$1B leaderboard (AL) →

West Alabama Bank & Trust has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 9.60% below tier average
  • + Delinquency Rate 0.47% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 32.1% in tier
  • - Net Interest Margin 0.40% below tier average
Get updates when West Alabama Bank & Trust releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Total Assets ? $929.0M
-1.9% YoY +0.1% QoQ
+$542.4M $386.6M
+1.2% YoY
$2.5B
+1.5% YoY
$6.3B
+7.7% YoY
Top 2.8% in tier
Total Loans ? $596.7M
+1.4% YoY +2.9% QoQ
+$338.4M $258.3M
+1.7% YoY
$1.6B
+2.8% YoY
$3.2B
+9.4% YoY
Top 6.2% in tier
Total Deposits ? $806.4M
-1.9% YoY -0.2% QoQ
+$479.7M $326.7M
+0.7% YoY
$2.1B
+0.3% YoY
$4.9B
+7.3% YoY
Top 1.9% in tier
Return on Assets ? 1.28%
+12.3% YoY +0.3% QoQ
-0.04% 1.32%
+10.8% YoY
0.89%
-13.0% YoY
1.30%
+12.1% YoY
52%
Net Interest Margin ? 3.59%
+6.5% YoY +1.7% QoQ
-0.40% 3.99%
+5.0% YoY
4.02%
+3.4% YoY
3.95%
+4.9% YoY
32%
Efficiency Ratio ? 54.87%
-6.0% YoY -1.5% QoQ
-9.60% 64.48%
-3.2% YoY
69.53%
+4.0% YoY
70.05%
+2.5% YoY
72%
Delinquency Rate ? 0.45%
-50.2% YoY +10.3% QoQ
-0.47% 0.92%
+15.7% YoY
1.13%
+25.5% YoY
0.98%
+16.3% YoY
48%
Loan-to-Deposit Ratio ? 74.00%
+3.4% YoY +3.2% QoQ
-3.95% 77.95%
+1.0% YoY
67.62%
+0.9% YoY
79.03%
+2.3% YoY
62%
Non-Interest-Bearing Deposit Share ? 25.62%
+2.7% YoY +0.5% QoQ
+3.59% 22.03%
-0.6% YoY
24.04%
+0.1% YoY
21.98%
-0.6% YoY
68%
Nonperforming Asset Ratio ? 0.74%
-4.1% YoY +2.7% QoQ
+0.07% 0.67%
+16.4% YoY
0.74%
+25.2% YoY
0.69%
+15.8% YoY
29%
Tier 1 Capital Ratio ? 12.22%
+9.8% YoY +1.6% QoQ
-3.69% 15.91%
+1.4% YoY
15.01%
+1.3% YoY
17.09%
+0.8% YoY
38%
Non-Interest Income / Assets ? 0.36%
+15.0% YoY +121.7% QoQ
-0.20% 0.57%
+7.6% YoY
0.35%
-14.4% YoY
0.66%
+5.2% YoY
81%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Noninterest-Bearing 25.6%
+0.7pp YoY
+0.1pp QoQ
 +3.5pp 22.1% 24.0% 22.2% 68%
Brokered Deposits 0.4%
-3.4pp YoY
+0.3pp QoQ
 -7.4pp 7.9% 5.5% 8.5% 11%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
C&I 11.7%
+1.5pp YoY
+0.8pp QoQ
 +0.1pp 11.6% 16.9% 12.5% 62%
CRE 48.5%
-1.8pp YoY
+1.0pp QoQ
 +8.9pp 39.5% 43.5% 41.4% 68%
1-4 Family 25.0%
-0.4pp YoY
-0.9pp QoQ
 -7.6pp 32.6% 30.6% 31.3% 41%
Consumer 2.1%
+0.2pp YoY
0.0pp QoQ
 -2.0pp 4.1% 5.7% 5.0% 50%

Capital

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.1% 19.7% n/a
Leverage Ratio 12.2%
+1.1pp YoY
+0.2pp QoQ
 0.0pp 12.2% 13.2% 12.6% 67%
Total Capital Ratio n/a n/a 19.9% 16.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Full-Time Employees 159
+3 (+1.9%) YoY
-1 (-0.6%) QoQ
 +100 58 304 482 98%
Assets per Employee ($) $5.8M
-3.7% YoY
+0.7% QoQ
 -$1.7M $7.5M $6.9M $8.8M 30%
Branch Count 16
0 YoY
0 QoQ
 +11 4 20 18 99%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 0.4%
+0.1pp YoY
0.0pp QoQ
 -0.5pp 0.9% 1.2% 1.0% 50%
Allowance Coverage 2.66x
+105.5% YoY
-10.6% QoQ
 -21.50x 24.15x 7.50x 20.23x 55%
Net Charge-off Rate (YTD) 0.2%
+0.1pp YoY
0.0pp QoQ
 0.0pp 0.1% 0.3% 0.2% 82%

Profitability

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
ROE 12.7%
-0.6pp YoY
-0.2pp QoQ
 +0.5pp 12.2% 10.0% 11.6% 54%
Cost of Funds (YTD) 1.8%
-0.4pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.7% 1.7% 60%
Net Income ($, YTD) $6.1M
+12.5% YoY
— QoQ
 +$3.5M $2.6M $17.2M $40.4M 92%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Flatlined Growth

risk
#171 of 529 • Bottom 32.1% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.28%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

51
Total Deposits
size
Value: $806.41M
Peer Median: $326.73M
#51 of 2643 Top 1.9% in $100M-$1B
74
Total Assets
size
Value: $928.95M
Peer Median: $386.57M
#74 of 2643 Top 2.8% in $100M-$1B
165
Total Loans
size
Value: $596.73M
Peer Median: $258.35M
#165 of 2643 Top 6.2% in $100M-$1B
501
Non-Interest Income / Assets
revenue_mix
Value: 0.36%
Peer Median: 0.57%
#501 of 2643 Top 18.9% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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