Total Assets
$110M
Total balance-sheet footings
FDIC Cert #9614 · Tuscaloosa, Alabama · Est. 1914
Local Bank - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $110M
- Total assets
- C
- Health grade · Fair
- -0.08%
- Return on assets
- 14.5%
- Tier 1 capital
Data updated July 2026
The verdict
Local Bank earns a PlainBankData health grade of C (51/100), with well-capitalized at 14.48% Tier 1, -0.08% ROA, 101% efficiency ratio.
- #3,671
- largest of 4,313 FDIC banks by assets
- 15th
- percentile by asset size, nationally
- 14.48%
- Tier 1 ratio - above the 10% well-capitalized line
- 5th
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
FDIC Call Report plate
Cert 9614 · AL C · 51/100
GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-MID · BOOK-FULL
- GRADE-C C (51/100)
- BOTTOM-DECILE #4126/4307
- PHOTO-FINISH Home Banking Company · TN
- TIER1-WELL 14.5% Tier 1
- TEXAS-CLEAN 7.6% Texas
- ROA-LOSS -0.08% ROA
- SIZE-MID $100M–1B
- BOOK-FULL 9/9 fields
Nearest health peer outside Alabama: Home Banking Company, TN (±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 Local Bank
Lowest and highest poles plus nearest scored peers outside Alabama, not a full FDIC corpus board reprint.
What Local Bank's Call Report plate shows
Local Bank (FDIC Cert #9614) carries a PlainBankData health grade of C at 51/100, 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 #4,126 of 4,307. Tier 1 capital prints at 14.48%, clearing the 10% well-capitalized line. The Texas Ratio is 7.60%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.08%. Balance-sheet scale is $110M, 3,671st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Home Banking Company (TN), 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 Local Bank
7 FAILURE resolutions in Alabama since 2000 (7 since 2008)
Local Bank'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; Local Bank 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 Local Bank's 51/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tier 1 Capital Ratio (14.48%) 35/40
Return on Assets (ROA) (-0.08%) 0/25
Texas Ratio (7.60%) 16/20
Efficiency Ratio (100.73%) 0/15
51 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$85M
Customer-funded liabilities
Net Loans
$81M
Outstanding loan book
Net Income
$-80K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Local Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Local Bank's score of 51/100 falls in the highlighted band.
Local Bank: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
51 4th percentile higher than 4% of 4,307 FDIC-insured banks
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
Local Bank'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). Local Bank's $110M falls in the highlighted band.
Safety ratios for Local Bank
Tier 1 capital ratio
Well-capitalized 10%
14.48% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.48%
Texas Ratio
7.60%
Equity Capital
$18M
Profitability metrics: Local Bank
Return on Assets (ROA)
5th percentile nationally
-0.08%
Return on Equity (ROE)
-0.49%
Efficiency Ratio
100.73%
Income & expense: loss period at Local Bank
$6M
Interest Income
$8M
Non-Interest Income
$12M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Local Bank reports a Texas Ratio of 7.60% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
7.60% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Local Bank
Local Bank's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-80K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Local Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Alabama by total assets
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($110M here), outside Alabama so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Local Bank (FDIC Cert #9614) - 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.
Local Bank 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 →| 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% |