22nd State Bank
Louisville, Alabama · FDIC Cert #16910
This is the FDIC profile for 22nd State Bank, an FDIC-insured bank (Certificate #16910) with $253M in total assets and $215M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Louisville, Alabama, the bank maintains a Tier 1 capital ratio of 13.87% (Well-Capitalized) and a nonperforming loan ratio of 2.03%. BankHealthData assigns a composite Health Grade of C (59/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
22nd State Bank (FDIC cert 16910) is a community bank — $253M in total assets, $215M in deposits, serving the Louisville, Alabama area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 13.87% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is elevated: non-performing loan ratio of 2.03% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is thin: 11.0% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is thin: ROA of 0.25% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. 22nd State Bank carries a composite BankHealth grade of C (59/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: 22nd State Bank
- Total Assets
- $253M
- Total Deposits
- $215M
- Tier 1 Capital Ratio
- 13.87%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 2.03%
- Liquidity Ratio
- 10.98%
- Return on Assets
- 0.25%
- Headquarters
- Louisville, Alabama
- FDIC Certificate
- #16910
- Health Grade
- C (59/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
22nd State Bank files quarterly Call Reports with the FDIC under Certificate #16910. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, 22nd State Bank holds a Tier 1 capital ratio of 13.87%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning 22nd State Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
22nd State Bank shows average financial health. While not alarming, its Health Score of 59/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How 22nd State Bank Compares
22nd State Bank’s Health Score of 59 is 23 points below the Alabama state average of 82 across 78 FDIC-insured banks. Its 13.87% Tier 1 capital ratio is 0.1 points below the US banking industry average near 14%. The 2.03% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.25% is below the national ROA benchmark of ~1.1%. Among 1581 similarly-sized banks, the average Health Score is 81, meaning this bank ranks below its size cohort. Site-wide, 22nd State Bank is 21 points below the portfolio average of 80.
Frequently Asked Questions
22nd State Bank has a Bank Health Score of C (59/100), placing it in average financial health. It holds a Tier 1 capital ratio of 13.87%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. 22nd State Bank's Tier 1 capital ratio of 13.87% and nonperforming loan ratio of 2.03% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at 22nd State Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #16910). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
22nd State Bank holds $253M in total assets and $215M in total deposits. It is headquartered in Louisville, Alabama (FDIC Certificate #16910).
22nd State Bank's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #16910 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
22nd State Bank has a Tier 1 capital ratio of 13.87%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 2.03%, and the return on assets is 0.25%.
Yes. 22nd State Bank is FDIC-insured (Certificate #16910). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
22nd State Bank's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.