West Alabama Bank&Trust (FDIC #16175): Bank Stress & Real-Estate Credit Exposure
West Alabama Bank&Trust (FDIC Cert #16175): bank stress 63/100, elevated, STABLE over 7 days; parent WEST ALABAMA CAPITAL CORP.
West Alabama Bank&Trust (#16175) lends in 10 counties across 1 state; West Alabama Bank&Trust (#16175) reaches 164 ZIP codes: Alabama 10 counties, 164 ZIPs.
West Alabama Bank&Trust (#16175) largest markets: Jefferson County, AL (64 branches, 64 ZIPs) (#16175), Tuscaloosa County, AL (56 branches, 28 ZIPs) (#16175), Baldwin County, AL (24 branches, 24 ZIPs) (#16175), Bibb County, AL (11 branches, 11 ZIPs) (#16175), Sumter County, AL (11 branches, 11 ZIPs) (#16175), Choctaw County, AL (11 branches, 11 ZIPs) (#16175).
West Alabama Bank&Trust (#16175) reports $929.0 million in total assets; West Alabama Bank&Trust (#16175) equity $97.6 million (10.5% of West Alabama Bank&Trust (#16175) assets); West Alabama Bank&Trust (#16175) domestic deposits $806.4 million; West Alabama Bank&Trust (#16175) net income $6.1 million; West Alabama Bank&Trust (#16175) return on assets 1.28%; West Alabama Bank&Trust (#16175) return on equity 12.73%; West Alabama Bank&Trust (#16175) net interest income $15.8 million; West Alabama Bank&Trust (#16175) call report June 30, 2026.
West Alabama Bank&Trust (#16175) noncurrent real-estate loans: none reported; West Alabama Bank&Trust (#16175) net charge-offs on real estate 0.48%; West Alabama Bank&Trust (#16175) residential charge-offs 0.06%.
West Alabama Bank&Trust (#16175) net interest margin 3.59% against an eight-quarter West Alabama Bank&Trust (#16175) average of 3.32% (West Alabama Bank&Trust (#16175) compression -0.27 points); West Alabama Bank&Trust (#16175) non-residential real estate 6.3% of equity; West Alabama Bank&Trust (#16175) rate-exposure score 40/100, West Alabama Bank&Trust (#16175) fixed-rate trap 40/100; West Alabama Bank&Trust (#16175) risk type credit driven; West Alabama Bank&Trust (#16175) rate regime rates elevated, West Alabama Bank&Trust (#16175) snapshot October 20, 2026.
West Alabama Bank&Trust (#16175) stress score moved from 62.3 on June 22, 2026 to 63.2 on October 20, 2026; West Alabama Bank&Trust (#16175) ranged 62.3 to 63.2 over 117 snapshots.
West Alabama Bank&Trust (#16175) alerts: 10 counties; top West Alabama Bank&Trust (#16175) alert scores: Marion County, AL 44 (moderate); Tuscaloosa County, AL 40 (moderate); Fayette County, AL 36 (moderate); Butler County, AL 35 (moderate); Birmingham County, AL 22 (low).