Total Assets
$1.0B
Total balance-sheet footings
FDIC Cert #16175 · Reform, Alabama · Est. 1944
West Alabama Bank & Trust - FDIC Bank Health Profile
A community-scale look at West Alabama Bank & Trust's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.0B
- Total assets
- A
- Health grade · Excellent
- 1.11%
- Return on assets
- 11.4%
- Tier 1 capital
Data updated July 2026
The verdict
West Alabama Bank & Trust earns a PlainBankData health grade of A (80/100), with well-capitalized at 11.44% Tier 1, profitable at 1.11% ROA, efficient (58% cost ratio).
- #1,041
- largest of 4,313 FDIC banks by assets
- 76th
- percentile by asset size, nationally
- 11.44%
- Tier 1 ratio - above the 10% well-capitalized line
- 50th
- 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 West Alabama Bank & Trust's 80/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
West Alabama Bank & Trust's composite health score
Tier 1 Capital Ratio (11.44%) 28/40
Return on Assets (ROA) (1.11%) 20/25
Texas Ratio (2.61%) 20/20
Efficiency Ratio (58.34%) 12/15
80 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$885M
Customer-funded liabilities
Net Loans
$572M
Outstanding loan book
Net Income
$11M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where West Alabama Bank & Trust ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. West Alabama Bank & Trust's score of 80/100 falls in the highlighted band.
West Alabama Bank & Trust'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). West Alabama Bank & Trust's $1.0B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.44% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.44%
Texas Ratio
2.61%
Equity Capital
$94M
Profitability metrics
Return on Assets (ROA)
50th percentile nationally
1.11%
Return on Equity (ROE)
12.40%
Efficiency Ratio
58.34%
What the numbers say about West Alabama Bank & Trust
West Alabama Bank & Trust is an FDIC-insured institution (Certificate #16175) headquartered in Reform, Alabama, established in 1944. It holds $1.0B in total assets - 1,041st of 4,313 FDIC-insured banks, $885M in customer deposits, and $572M in net loans. Its capital position: a Tier 1 ratio of 11.44%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 2.61% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (80 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
West Alabama Bank & Trust sits 18th of 94 banks headquartered in Alabama by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$49M
Interest Income
$7M
Non-Interest Income
$22M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. West Alabama Bank & Trust reports a Texas Ratio of 2.61% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.61% - 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) West Alabama Bank & Trust (FDIC Cert #16175) - 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 West Alabama Bank & Trust's health grade?▼
West Alabama Bank & Trust receives a health grade of A (80/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is West Alabama Bank & Trust?▼
West Alabama Bank & Trust holds $1.0B in total assets and $885M in deposits, ranking 1,041st of 4,313 FDIC-insured banks by asset size. It is headquartered in Reform, Alabama.
Is my money safe at West Alabama Bank & Trust?▼
Yes, deposits at West Alabama Bank & Trust (Certificate #16175) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is West Alabama Bank & Trust's Tier 1 Capital Ratio?▼
West Alabama Bank & Trust has a Tier 1 Capital Ratio of 11.44%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for West Alabama Bank & Trust?▼
West Alabama Bank & Trust has a Texas Ratio of 2.61%. 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 West Alabama Bank & Trust?▼
West Alabama Bank & Trust has an Efficiency Ratio of 58.34%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read West Alabama Bank & Trust's profile as a depositor or analyst.
- West Alabama Bank & Trust's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare West Alabama Bank & Trust 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.