Oakworth Capital Bank
Birmingham, AL
IDRSSD: 3720608
Total Assets
$1.92B
Latest filing
Total Deposits
$1.70B
Latest filing
Net Interest Margin
3.79%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Oakworth Capital Bank
850 Shades Creek Pkwy
Birmingham, AL 35209
Full Service - Brick and Mortar
Updated 11/14/2025Established 03/31/2008FDIC Certificate 467896
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Oakworth Capital Bank (Main) | 850 Shades Creek Pkwy | Birmingham, AL |
| MOBILE OFFICE | 1 Saint Louis St | Mobile, AL |
| MIDDLE TENNESSEE OFFICE BRANCH | 5511 Virginia Way | Brentwood, TN |
| CENTRAL CAROLINAS OFFICE BRANCH | 6000 Fairview Road | Charlotte, NC |
Showing 3 of 3
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 | 03/31/2008 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 35209 |
| State and County Number | 01073 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| 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 | Birmingham-Hoover, AL |
Operational Info
| Number of Employees | 163 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 03/31/2008 |
| Primary Insurance Agency | DIF |
| Website | www.oakworth.com |
| Data Updated | 11/14/2025 |
| CERT | 58783 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.92B |
| Total Deposits | $1.70B |
| Total Liabilities | $1.75B |
| Total Equity Capital | $177.59M |
| Net Income | $5.63M |
| Net Loans and Leases | $1.51B |
| Assets Per Employee ($Millions) | $11.66M |
| Bank Premises and Fixed Assets | $14.92M |
| Cash and Balances due from Depository Institutions | $155.41M |
| Deposits Held in Domestic Offices | $1.70B |
Key Performance Ratios
| Return on Assets (ROA) | 1.19% |
| Return on Equity (ROE) | 13% |
| Net Interest Margin | 3.79% |
| Efficiency Ratio | 60.95% |
| Tier 1 Risk-Based Capital Ratio | 11.027% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.19% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.234% |
| Earning Assets to total Assets | 96.22% |
Income and Expense
| Total Interest Income | $28.97M |
| Total Noninterest Income | $4.34M |
| Total Interest Expense | $11.84M |
| Total Noninterest Expense | $13.08M |
| Net Interest Income | $17.12M |
| Pre-tax Net Operating Income | $7.48M |
| Provision for Credit Losses | $906.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $4.37M |
| Other borrowed funds | $20.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $950.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $19.78M |
| Total Liabilities and Capital | $1.92B |
Securities
| Securities | $189.67M |
| Available-for-sale debt securities | $189.67M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $1.35M |
| Trading Liabilities | $1.35M |
Frequently Asked Questions
What are the total assets of Oakworth Capital Bank?
$1.92B as of the latest filing.
How much are Oakworth Capital Bank's total deposits?
$1.70B in total deposits.
Where is Oakworth Capital Bank located?
Birmingham, AL.
What is the Net Interest Margin?
3.79%.
How many domestic offices does it operate?
4.
When was it established?
03/31/2008.
What is the Return on Assets (ROA)?
1.19%.
How much are total loans and leases?
$1.51B (latest filing).
What is the total interest income (latest filing)?
$28.97M.