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West Alabama Bank & Trust

Reform, AL
IDRSSD: 501132
Total Assets
$953.86M
Latest filing
Total Deposits
$822.66M
Latest filing
Net Interest Margin
3.44%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date07/29/1944
Community BankYes
Ownership TypeNot Mutual
ZIP35481
State and County Number01107
Subchapter S CorporationsNo
Trust PowersFull Trust Powers Granted
Federal Reserve ID Number06
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictAtlanta
Core Based Statistical Area NameTuscaloosa, AL

Operational Info

Number of Employees156
Domestic Offices16
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance07/29/1944
Primary Insurance AgencyDIF
Websitewww.wabt.com
Data Updated11/14/2025
CERT16175
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$953.86M
Total Deposits$822.66M
Total Liabilities$862.09M
Total Equity Capital$91.77M
Net Income$2.62M
Net Loans and Leases$579.21M
Assets Per Employee ($Millions)$6.19M
Bank Premises and Fixed Assets$10.54M
Cash and Balances due from Depository Institutions$17.76M
Deposits Held in Domestic Offices$822.66M

Key Performance Ratios

Return on Assets (ROA)1.1%
Return on Equity (ROE)11.9%
Net Interest Margin3.44%
Efficiency Ratio56.7%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.13%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets9.621%
Earning Assets to total Assets93.01%

Income and Expense

Total Interest Income$12.50M
Total Noninterest Income$1.48M
Total Interest Expense$4.91M
Total Noninterest Expense$5.14M
Net Interest Income$7.60M
Pre-tax Net Operating Income$3.63M
Provision for Credit Losses$300.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$1.88M
Other borrowed funds$35.00M
Federal Funds Sold & Reverse Repurchase Agreement$61.14M
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$4.43M
Total Liabilities and Capital$953.86M

Securities

Securities$233.88M
Available-for-sale debt securities$233.88M
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 West Alabama Bank & Trust?
$953.86M as of the latest filing.
How much are West Alabama Bank & Trust's total deposits?
$822.66M in total deposits.
Where is West Alabama Bank & Trust located?
Reform, AL.
What is the Net Interest Margin?
3.44%.
How many domestic offices does it operate?
16.
When was it established?
07/29/1944.
What is the Return on Assets (ROA)?
1.1%.
How much are total loans and leases?
$579.21M (latest filing).
What is the total interest income (latest filing)?
$12.50M.