FDIC Cert #16910 · Mobile, Alabama · Est. 1917

22nd State Banking Company - FDIC Bank Health Profile

A community-scale look at 22nd State Banking Company's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$273M
Total assets
B
Health grade · Good
1.79%
Return on assets
14.1%
Tier 1 capital

Data updated July 2026

The verdict

22nd State Banking Company earns a PlainBankData health grade of B (78/100), with well-capitalized at 14.08% Tier 1, profitable at 1.79% ROA, 69% efficiency ratio.

#2,631
largest of 4,313 FDIC banks by assets
39th
percentile by asset size, nationally
14.08%
Tier 1 ratio - above the 10% well-capitalized line
85th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 16910 · AL B · 78/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-B B (78/100)
  • MID-PACK #2225/4307
  • PHOTO-FINISH Corn Growers State B… · NE
  • TIER1-WELL 14.1% Tier 1
  • TEXAS-HEALTHY 22.0% Texas
  • ROA-STRONG 1.79% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Alabama: Corn Growers State Bank, NE (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around 22nd State Banking Company

Lowest and highest poles plus nearest scored peers outside Alabama, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/10022nd State Banking C… · AL ·…78/100Centera Bank · KS · near78/100Citizens Bank · TX · near78/100Corn Growers State B… · NE ·…78/100First State Bank of… · TX · …78/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around 22nd State Banking Company · July 2026

What 22nd State Banking Company's Call Report plate shows

22nd State Banking Company (FDIC Cert #16910) carries a PlainBankData health grade of B at 78/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,225 of 4,307. Tier 1 capital prints at 14.08%, clearing the 10% well-capitalized line. The Texas Ratio is 21.96%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.79%. Balance-sheet scale is $273M, 2,631st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Corn Growers State Bank (NE), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around 22nd State Banking Company

7 FAILURE resolutions in Alabama since 2000 (7 since 2008)

22nd State Banking Company's home state sits in the middle band of post-2000 FAILURE counts (7; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; 22nd State Banking Company remains an active FDIC-insured reporter.

  • ALABAMA TRUST BANK, NATIONAL ASSOCIATION SYLACAUGA, AL 2012 → SOUTHERN STATES BANK
  • SUPERIOR BANK BIRMINGHAM, AL 2011 → SUPERIOR BANK, N.A.
  • NEXITY BANK BIRMINGHAM, AL 2011 → ALOSTAR BANK OF COMMERCE

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Alabama banks.

How 22nd State Banking Company's 78/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10078/100
22nd State Banking Company's composite health score
Tier 1 Capital Ratio (14.08%) 35/40
Return on Assets (ROA) (1.79%) 25/25
Texas Ratio (21.96%) 10/20
Efficiency Ratio (68.99%) 8/15

78 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$273M

Total balance-sheet footings

Total Deposits

$223M

Customer-funded liabilities

Net Loans

$210M

Outstanding loan book

Net Income

$5M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.68% 14.08% 15.48%
Basel III capital ratios - 22nd State Banking Company

Where 22nd State Banking Company ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. 22nd State Banking Company's score of 78/100 falls in the highlighted band.

22nd State Banking Company: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

78 48th percentile higher than 48% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. 22nd State Banking Company 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

22nd State Banking Company's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). 22nd State Banking Company's $273M falls in the highlighted band.

Safety ratios for 22nd State Banking Company

Tier 1 capital ratio
Well-capitalized 10%

14.08% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
14.08%
Texas Ratio
21.96%
Equity Capital
$36M

What these ratios mean →

Earnings posture at 22nd State Banking Company

Return on Assets (ROA)
85th percentile nationally
1.79%
Return on Equity (ROE)
15.54%
Efficiency Ratio
68.99%

What these mean →

Income & expense at 22nd State Banking Company

$26M
Interest Income
$10M
Non-Interest Income
$20M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. 22nd State Banking Company reports a Texas Ratio of 21.96% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

21.96% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View 22nd State Banking Company on FDIC BankFind →

Top banks in Alabama by total assets

Largest banks headquartered in Alabama
  1. 1
    Regions Bank $157.4B

    Birmingham, AL · Grade A

  2. 2
    ServisFirst Bank $17.7B

    Birmingham, AL · Grade A

  3. 3
    River Bank & Trust $3.8B

    Prattville, AL · Grade A

  4. 4
    Bank Independent $3.0B

    Sheffield, AL · Grade B

  5. 5
    Bryant Bank $2.9B

    Tuscaloosa, AL · Grade A

Top 5 banks in Alabama ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($273M here), outside Alabama so the neighborhood is not state containment.

FNB Bank $273M · KS Citizens Bank and Trust Company of Gr… $273M · TN The First National Bank of Dennison $273M · OH Global Bank $273M · NY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) 22nd State Banking Company (FDIC Cert #16910) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

22nd State Banking Company Call Report profile · FDIC Failed Bank List · Alabama FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Alabama

All Alabama banks →
BankAssetsGradeROA
Regions BankBirmingham $157.4B A 1.43%
ServisFirst BankBirmingham $17.7B A 1.58%
River Bank & TrustPrattville $3.8B A 1.18%
Bank IndependentSheffield $3.0B B 1.01%
Bryant BankTuscaloosa $2.9B A 1.69%
CB&S Bank, Inc.Russellville $2.9B C 0.85%
Oakworth Capital BankBirmingham $2.0B B 1.17%
Troy Bank & Trust CompanyTroy $1.6B A 1.34%