West Alabama Bank & Trust
Reform, AL
IDRSSD: 501132
Total Assets
$1.00B
Latest filing
Total Deposits
$885.45M
Latest filing
Net Interest Margin
3.36%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
062205704REFORM, AL
Key People
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Locations
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Main Office
West Alabama Bank & Trust
509 1st Ave W
Reform, AL 35481
Full Service - Brick and Mortar
Updated 01/30/2026Established 07/29/1944FDIC Certificate 10381
Branches (15)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| West Alabama Bank & Trust (Main) | 509 1st Ave W | Reform, AL |
| MILLPORT BRANCH | 30330 Highway 17 | Millport, AL |
| PERRY COUNTY BRANCH | 1014 Washington St | Marion, AL |
| WOODSTOCK BRANCH | 28827 Highway 5 | Woodstock, AL |
| DRIVE-IN BRANCH | 713 Memorial Pkwy Nw | Aliceville, AL |
| ETHELSVILLE BRANCH | 507 Main Street | Ethelsville, AL |
| GORDO BRANCH | 245 Main St S | Gordo, AL |
| WEST PUSMATAHA STREET BRANCH | 119 W Pushmataha St | Butler, AL |
Showing 7 of 15
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 | 07/29/1944 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 35481 |
| State and County Number | 01107 |
| 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 | Tuscaloosa, AL |
Operational Info
| Number of Employees | 154 |
| Domestic Offices | 16 |
| 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 | 07/29/1944 |
| Primary Insurance Agency | DIF |
| Website | www.wabt.com |
| Data Updated | 01/30/2026 |
| CERT | 16175 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.00B |
| Total Deposits | $885.45M |
| Total Liabilities | $907.85M |
| Total Equity Capital | $93.60M |
| Net Income | $2.61M |
| Net Loans and Leases | $571.71M |
| Assets Per Employee ($Millions) | $6.34M |
| Bank Premises and Fixed Assets | $11.50M |
| Cash and Balances due from Depository Institutions | $54.92M |
| Deposits Held in Domestic Offices | $885.45M |
Key Performance Ratios
| Return on Assets (ROA) | 1.07% |
| Return on Equity (ROE) | 11.26% |
| Net Interest Margin | 3.36% |
| Efficiency Ratio | 59.77% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.25% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.347% |
| Earning Assets to total Assets | 92.96% |
Income and Expense
| Total Interest Income | $12.23M |
| Total Noninterest Income | $2.49M |
| Total Interest Expense | $4.59M |
| Total Noninterest Expense | $6.05M |
| Net Interest Income | $7.64M |
| Pre-tax Net Operating Income | $3.48M |
| Provision for Credit Losses | $600.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $5.07M |
| Other borrowed funds | $15.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $66.43M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $7.40M |
| Total Liabilities and Capital | $1.00B |
Securities
| Securities | $242.70M |
| Available-for-sale debt securities | $242.70M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$1.00B as of the latest filing.
How much are West Alabama Bank & Trust's total deposits?
$885.45M in total deposits.
Where is West Alabama Bank & Trust located?
Reform, AL.
What is the Net Interest Margin?
3.36%.
How many domestic offices does it operate?
16.
When was it established?
07/29/1944.
What is the Return on Assets (ROA)?
1.07%.
How much are total loans and leases?
$571.71M (latest filing).
What is the total interest income (latest filing)?
$12.23M.