22ND STATE BANK
LOUISVILLE, ALABAMA · FDIC Cert #16910
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.
Frequently Asked Questions
22ND STATE BANK has a Bank Health Score of C (59/100). 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.
22ND STATE BANK holds $253M in total assets and $215M in total deposits. It is located in LOUISVILLE, ALABAMA (FDIC Certificate #16910).
22ND STATE BANK has a Tier 1 capital ratio of 13.87%, classifying it as "Well-Capitalized." The 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. Even if a bank fails, insured depositors typically regain access to funds within two business days.