Total Assets
$134M
Total balance-sheet footings
FDIC Cert #9057 · Moundville, Alabama · Est. 1907
Bank of Moundville - FDIC Bank Health Profile
A community-scale look at Bank of Moundville's own numbers, pulled straight from its quarterly FDIC Call Report.
- $134M
- Total assets
- C
- Health grade · Fair
- 0.45%
- Return on assets
- 16.1%
- Tier 1 capital
Data updated July 2026
The verdict
Bank of Moundville earns a PlainBankData health grade of C (61/100), with well-capitalized at 16.07% Tier 1, 0.45% ROA, 78% efficiency ratio.
- #3,494
- largest of 4,313 FDIC banks by assets
- 19th
- percentile by asset size, nationally
- 16.07%
- 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 Moundville's 61/100 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 Moundville's composite health score
Tier 1 Capital Ratio (16.07%) 40/40
Return on Assets (ROA) (0.45%) 7/25
Texas Ratio (17.59%) 10/20
Efficiency Ratio (78.22%) 4/15
61 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$117M
Customer-funded liabilities
Net Loans
$57M
Outstanding loan book
Net Income
$581K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bank of Moundville ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Moundville's score of 61/100 falls in the highlighted band.
Bank of Moundville'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 Moundville's $134M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
16.07% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
16.07%
Texas Ratio
17.59%
Equity Capital
$16M
Profitability metrics
Return on Assets (ROA)
14th percentile nationally
0.45%
Return on Equity (ROE)
3.86%
Efficiency Ratio
78.22%
What the numbers say about Bank of Moundville
Bank of Moundville is an FDIC-insured institution (Certificate #9057) headquartered in Moundville, Alabama, established in 1907. It holds $134M in total assets - 3,494th of 4,313 FDIC-insured banks, $117M in customer deposits, and $57M in net loans. Looking at capital strength, Tier 1 stands at 16.07%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 17.59%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of C (61/100), 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.
By assets, Bank of Moundville ranks 73rd of 94 banks based in Alabama -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$6M
Interest Income
$372K
Non-Interest Income
$3M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Moundville reports a Texas Ratio of 17.59% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
17.59% - 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 Moundville (FDIC Cert #9057) - 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 Moundville's health grade?▼
Bank of Moundville receives a health grade of C (61/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Bank of Moundville?▼
Bank of Moundville holds $134M in total assets and $117M in deposits, ranking 3,494th of 4,313 FDIC-insured banks by asset size. It is headquartered in Moundville, Alabama.
Is my money safe at Bank of Moundville?▼
Yes, deposits at Bank of Moundville (Certificate #9057) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bank of Moundville's Tier 1 Capital Ratio?▼
Bank of Moundville has a Tier 1 Capital Ratio of 16.07%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Bank of Moundville?▼
Bank of Moundville has a Texas Ratio of 17.59%. 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 Bank of Moundville?▼
Bank of Moundville has an Efficiency Ratio of 78.22%. 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 Bank of Moundville's profile as a depositor or analyst.
- Bank of Moundville's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bank of Moundville 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.