Oakworth Capital Bank (FDIC #58783): Bank Stress & Real-Estate Credit Exposure
Oakworth Capital Bank (FDIC Cert #58783): bank stress 70/100, elevated, STABLE over 7 days; parent OAKWORTH CAPITAL INC.
Oakworth Capital Bank (#58783) lends in 4 counties across 3 states; Oakworth Capital Bank (#58783) reaches 156 ZIP codes: Alabama 2 counties, 103 ZIPs; North Carolina 1 county, 37 ZIPs; Tennessee 1 county, 16 ZIPs.
Oakworth Capital Bank (#58783) largest markets: Jefferson County, AL (64 branches, 64 ZIPs) (#58783), Mobile County, AL (39 branches, 39 ZIPs) (#58783), Mecklenburg County, NC (37 branches, 37 ZIPs) (#58783), Williamson County, TN (16 branches, 16 ZIPs) (#58783).
Oakworth Capital Bank (#58783) reports $2.13 billion in total assets; Oakworth Capital Bank (#58783) equity $193.6 million (9.1% of Oakworth Capital Bank (#58783) assets); Oakworth Capital Bank (#58783) domestic deposits $1.77 billion; Oakworth Capital Bank (#58783) net income $12.1 million; Oakworth Capital Bank (#58783) return on assets 1.17%; Oakworth Capital Bank (#58783) return on equity 12.94%; Oakworth Capital Bank (#58783) net interest income $37.2 million; Oakworth Capital Bank (#58783) call report June 30, 2026.
Oakworth Capital Bank (#58783) noncurrent real-estate loans: none reported; Oakworth Capital Bank (#58783) net charge-offs on real estate 0.09%.
Oakworth Capital Bank (#58783) net interest margin 3.73% against an eight-quarter Oakworth Capital Bank (#58783) average of 3.69% (Oakworth Capital Bank (#58783) compression -0.04 points); Oakworth Capital Bank (#58783) rate-exposure score 40/100, Oakworth Capital Bank (#58783) fixed-rate trap 40/100; Oakworth Capital Bank (#58783) risk type credit driven; Oakworth Capital Bank (#58783) rate regime rates elevated, Oakworth Capital Bank (#58783) snapshot October 20, 2026.
Oakworth Capital Bank (#58783) stress score moved from 70.5 on June 22, 2026 to 70.4 on October 20, 2026; Oakworth Capital Bank (#58783) ranged 70.4 to 70.5 over 117 snapshots.
Oakworth Capital Bank (#58783) alerts: 4 counties; top Oakworth Capital Bank (#58783) alert scores: Mobile County, AL 39 (moderate); Birmingham County, AL 24 (low); Brentwood County, AL 24 (low); Charlotte County, AL 24 (low).