Total Assets
$47M
Total balance-sheet footings
FDIC Cert #5605 · Brewton, Alabama · Est. 1889
Bank of Brewton - FDIC Bank Health Profile
A community-scale look at Bank of Brewton's own numbers, pulled straight from its quarterly FDIC Call Report.
- $47M
- Total assets
- B
- Health grade · Good
- 0.46%
- Return on assets
- 20.5%
- Tier 1 capital
Data updated July 2026
The verdict
Bank of Brewton earns a PlainBankData health grade of B (67/100), with well-capitalized at 20.51% Tier 1, 0.46% ROA, 91% efficiency ratio.
- #4,149
- largest of 4,313 FDIC banks by assets
- 4th
- percentile by asset size, nationally
- 20.51%
- Tier 1 ratio - above the 10% well-capitalized line
- 14th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Bank of Brewton's 67/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Bank of Brewton's composite health score
Tier 1 Capital Ratio (20.51%) 40/40
Return on Assets (ROA) (0.46%) 7/25
Texas Ratio (0.02%) 20/20
Efficiency Ratio (91.44%) 0/15
67 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$38M
Customer-funded liabilities
Net Loans
$18M
Outstanding loan book
Net Income
$215K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bank of Brewton ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Brewton's score of 67/100 falls in the highlighted band.
Bank of Brewton'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). Bank of Brewton's $47M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
20.51% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
20.51%
Texas Ratio
0.02%
Equity Capital
$9M
Profitability metrics
Return on Assets (ROA)
14th percentile nationally
0.46%
Return on Equity (ROE)
2.52%
Efficiency Ratio
91.44%
What the numbers say about Bank of Brewton
Bank of Brewton is an FDIC-insured institution (Certificate #5605) headquartered in Brewton, Alabama, established in 1889. It holds $47M in total assets - 4,149th of 4,313 FDIC-insured banks, $38M in customer deposits, and $18M in net loans. Its capital position: a Tier 1 ratio of 20.51%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.02% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (67 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Bank of Brewton is a community-scale institution -- 91st of 94 FDIC-insured banks headquartered in Alabama by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$2M
Interest Income
$225K
Non-Interest Income
$2M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Brewton reports a Texas Ratio of 0.02% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.02% - 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) Bank of Brewton (FDIC Cert #5605) - 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 Bank of Brewton's health grade?▼
Bank of Brewton receives a health grade of B (67/100) 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 Bank of Brewton?▼
Bank of Brewton holds $47M in total assets and $38M in deposits, ranking 4,149th of 4,313 FDIC-insured banks by asset size. It is headquartered in Brewton, Alabama.
Is my money safe at Bank of Brewton?▼
Yes, deposits at Bank of Brewton (Certificate #5605) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bank of Brewton's Tier 1 Capital Ratio?▼
Bank of Brewton has a Tier 1 Capital Ratio of 20.51%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Bank of Brewton?▼
Bank of Brewton has a Texas Ratio of 0.02%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Bank of Brewton?▼
Bank of Brewton has an Efficiency Ratio of 91.44%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bank of Brewton's profile as a depositor or analyst.
- Bank of Brewton's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bank of Brewton 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.