Total Assets
$116M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$105M
Customer-funded liabilities
Net Loans
$74M
Outstanding loan book
Net Income
$707K
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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 metrics
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
Profitability metrics
Return on Assets (ROA)
20th percentile nationally
0.61%
Return on Equity (ROE)
7.36%
Efficiency Ratio
80.76%
What the numbers say about Brantley Bank and Trust Company
Brantley Bank and Trust Company is an FDIC-insured institution (Certificate #16386) headquartered in Brantley, Alabama, established in 1946. It holds $116M in total assets - 3,613th of 4,313 FDIC-insured banks, $105M in customer deposits, and $74M in net loans. Its capital position: a Tier 1 ratio of 10.30%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 12.21% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of C (58 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Brantley Bank and Trust Company is a community-scale institution -- 80th 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
$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.
Top banks in Alabama by total assets
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.
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 Brantley Bank and Trust Company's health grade?▼
Brantley Bank and Trust Company receives a health grade of C (58/100) 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 Brantley Bank and Trust Company?▼
Brantley Bank and Trust Company holds $116M in total assets and $105M in deposits, ranking 3,613th of 4,313 FDIC-insured banks by asset size. It is headquartered in Brantley, Alabama.
Is my money safe at Brantley Bank and Trust Company?▼
Yes, deposits at Brantley Bank and Trust Company (Certificate #16386) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Brantley Bank and Trust Company's Tier 1 Capital Ratio?▼
Brantley Bank and Trust Company has a Tier 1 Capital Ratio of 10.30%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Brantley Bank and Trust Company?▼
Brantley Bank and Trust Company has a Texas Ratio of 12.21%. 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 Brantley Bank and Trust Company?▼
Brantley Bank and Trust Company has an Efficiency Ratio of 80.76%. 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 Brantley Bank and Trust Company's profile as a depositor or analyst.
- Brantley Bank and Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Brantley Bank and Trust 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.