Total Assets
$273M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$223M
Customer-funded liabilities
Net Loans
$210M
Outstanding loan book
Net Income
$5M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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 metrics
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
Profitability metrics
Return on Assets (ROA)
85th percentile nationally
1.79%
Return on Equity (ROE)
15.54%
Efficiency Ratio
68.99%
What the numbers say about 22nd State Banking Company
22nd State Banking Company is an FDIC-insured institution (Certificate #16910) headquartered in Mobile, Alabama, established in 1917. It holds $273M in total assets - 2,631st of 4,313 FDIC-insured banks, $223M in customer deposits, and $210M in net loans. On safety, its Tier 1 capital ratio of 14.08% is above the 10% well-capitalized threshold, and its Texas Ratio of 21.96% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (78/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Alabama, 22nd State Banking Company ranks 52nd of 94 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$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.
Top banks in Alabama by total assets
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.
Other banks in Alabama
All Alabama banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is 22nd State Banking Company's health grade?▼
22nd State Banking Company receives a health grade of B (78/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is 22nd State Banking Company?▼
22nd State Banking Company holds $273M in total assets and $223M in deposits, ranking 2,631st of 4,313 FDIC-insured banks by asset size. It is headquartered in Mobile, Alabama.
Is my money safe at 22nd State Banking Company?▼
Yes, deposits at 22nd State Banking Company (Certificate #16910) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is 22nd State Banking Company's Tier 1 Capital Ratio?▼
22nd State Banking Company has a Tier 1 Capital Ratio of 14.08%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for 22nd State Banking Company?▼
22nd State Banking Company has a Texas Ratio of 21.96%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is 22nd State Banking Company?▼
22nd State Banking Company has an Efficiency Ratio of 68.99%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read 22nd State Banking Company's profile as a depositor or analyst.
- 22nd State Banking Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare 22nd State Banking Company against other Alabama banks before moving funds. Alabama banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.