FDIC Cert #16386 · Brantley, Alabama · Est. 1946

Brantley Bank and Trust Company - FDIC Bank Health Profile

A community-scale look at Brantley Bank and Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$116M
Total assets
C
Health grade · Fair
0.61%
Return on assets
10.3%
Tier 1 capital

Data updated July 2026

The verdict

Brantley Bank and Trust Company earns a PlainBankData health grade of C (58/100), with well-capitalized at 10.30% Tier 1, 0.61% ROA, 81% efficiency ratio.

#3,613
largest of 4,313 FDIC banks by assets
16th
percentile by asset size, nationally
10.30%
Tier 1 ratio - above the 10% well-capitalized line
20th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 16386 · AL C · 58/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-C C (58/100)
  • BOTTOM-DECILE #3909/4307
  • PHOTO-FINISH Nebraska State Bank · NE
  • TIER1-WELL 10.3% Tier 1
  • TEXAS-CLEAN 12.2% Texas
  • ROA-THIN 0.61% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Alabama: Nebraska 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 Brantley Bank and Trust Company

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

Morgan Stanley Bank,… · UT ·…100/100Brantley Bank and Tr… · AL ·…58/100Nebraska State Bank · NE · n…58/100Robert Lee State Bank · TX ·…58/100The Bank of Glen Bur… · MD ·…58/100Ulster Savings Bank · NY · n…58/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Brantley Bank and Trust Company · July 2026

What Brantley Bank and Trust Company's Call Report plate shows

Brantley Bank and Trust Company (FDIC Cert #16386) carries a PlainBankData health grade of C at 58/100, 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 #3,909 of 4,307. Tier 1 capital prints at 10.30%, clearing the 10% well-capitalized line. The Texas Ratio is 12.21%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.61%. Balance-sheet scale is $116M, 3,613th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Nebraska 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 Brantley Bank and Trust Company

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

Brantley Bank and Trust 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; Brantley Bank and Trust 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 Brantley Bank and Trust Company's 58/100 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 avg77/10058/100
Brantley Bank and Trust Company's composite health score
Tier 1 Capital Ratio (10.30%) 28/40
Return on Assets (ROA) (0.61%) 14/25
Texas Ratio (12.21%) 16/20
Efficiency Ratio (80.76%) 0/15

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

Balance sheet at a glance

Total Assets

$116M

Total balance-sheet footings

Total Deposits

$105M

Customer-funded liabilities

Net Loans

$74M

Outstanding loan book

Net Income

$707K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.9% 10.3% 11.7%
Basel III capital ratios - Brantley Bank and Trust Company

Where Brantley Bank and Trust Company ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Brantley Bank and Trust Company's score of 58/100 falls in the highlighted band.

Brantley Bank and Trust Company: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

58 9th percentile higher than 9% 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%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Brantley Bank and Trust 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

Brantley Bank and Trust 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). Brantley Bank and Trust Company's $116M falls in the highlighted band.

Safety ratios for Brantley Bank and Trust Company

Tier 1 capital ratio
Well-capitalized 10%

10.30% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.30%
Texas Ratio
12.21%
Equity Capital
$10M

What these ratios mean →

Profitability metrics: Brantley Bank and Trust Company

Return on Assets (ROA)
20th percentile nationally
0.61%
Return on Equity (ROE)
7.36%
Efficiency Ratio
80.76%

What these mean →

Income & expense at Brantley Bank and Trust Company

$7M
Interest Income
$518K
Non-Interest Income
$5M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Brantley Bank and Trust Company reports a Texas Ratio of 12.21% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

12.21% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Brantley Bank and Trust 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 ($116M here), outside Alabama so the neighborhood is not state containment.

First Capital Bank $116M · TX Spiro State Bank $117M · OK Hodge Bank & Trust Company $117M · LA The Granville National Bank $117M · IL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Brantley Bank and Trust Company (FDIC Cert #16386) - 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.

Brantley Bank and Trust 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%