ALAMERICA BANK
BIRMINGHAM, ALABAMA · FDIC Cert #35314
Capital & Safety Analysis
According to FDIC financial data, ALAMERICA BANK holds a Tier 1 capital ratio of 20.97%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning ALAMERICA BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
ALAMERICA BANK shows average financial health. While not alarming, its Health Score of 60/100 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
ALAMERICA BANK has a Bank Health Score of C (60/100). It holds a Tier 1 capital ratio of 20.97%, 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.
ALAMERICA BANK holds $18M in total assets and $15M in total deposits. It is located in BIRMINGHAM, ALABAMA (FDIC Certificate #35314).
ALAMERICA BANK has a Tier 1 capital ratio of 20.97%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 5.26%, and the return on assets is -5.94%.
Yes. ALAMERICA BANK is FDIC-insured (Certificate #35314). 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.