Local Bank
Tuscaloosa, AL
IDRSSD: 470434
Total Assets
$110.37M
Latest filing
Total Deposits
$85.82M
Latest filing
Net Interest Margin
3.92%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Local Bank
205 Mcfarland Cir N
Tuscaloosa, AL 35406
Full Service - Brick and Mortar
Updated 11/14/2025Established 08/01/1914FDIC Certificate 6142
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Local Bank (Main) | 205 Mcfarland Cir N | Tuscaloosa, AL |
| RED LEVEL BRANCH | 29607 Main St | Red Level, AL |
| HUNTSVILLE BRANCH | 2204 Whitesburg Drive Sw | Huntsville, AL |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 08/01/1914 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 35406 |
| State and County Number | 01125 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Tuscaloosa, AL |
Operational Info
| Number of Employees | 55 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 02/01/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | mylocal.bank |
| Data Updated | 11/14/2025 |
| CERT | 9614 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $110.37M |
| Total Deposits | $85.82M |
| Total Liabilities | $91.95M |
| Total Equity Capital | $18.42M |
| Net Income | $184.00k |
| Net Loans and Leases | $75.17M |
| Assets Per Employee ($Millions) | $1.94M |
| Bank Premises and Fixed Assets | $2.30M |
| Cash and Balances due from Depository Institutions | $23.26M |
| Deposits Held in Domestic Offices | $85.82M |
Key Performance Ratios
| Return on Assets (ROA) | 0.72% |
| Return on Equity (ROE) | 4.41% |
| Net Interest Margin | 3.92% |
| Efficiency Ratio | 91.58% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.23% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 16.687% |
| Earning Assets to total Assets | 91.33% |
Income and Expense
| Total Interest Income | $1.64M |
| Total Noninterest Income | $2.45M |
| Total Interest Expense | $714.00k |
| Total Noninterest Expense | $3.09M |
| Net Interest Income | $924.00k |
| Pre-tax Net Operating Income | $224.00k |
| Provision for Credit Losses | $60.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $185.00k |
| Other borrowed funds | $4.60M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.53M |
| Total Liabilities and Capital | $110.37M |
Securities
| Securities | $2.79M |
| Available-for-sale debt securities | $2.79M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Local Bank?
$110.37M as of the latest filing.
How much are Local Bank's total deposits?
$85.82M in total deposits.
Where is Local Bank located?
Tuscaloosa, AL.
What is the Net Interest Margin?
3.92%.
How many domestic offices does it operate?
3.
When was it established?
08/01/1914.
What is the Return on Assets (ROA)?
0.72%.
How much are total loans and leases?
$75.17M (latest filing).
What is the total interest income (latest filing)?
$1.64M.