WEST ALABAMA BANK&TRUST
REFORM, ALABAMA · FDIC Cert #16175
Capital & Safety Analysis
According to FDIC financial data, WEST ALABAMA BANK&TRUST holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject WEST ALABAMA BANK&TRUST to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
WEST ALABAMA BANK&TRUST shows average financial health. While not alarming, its Health Score of 61/100 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
WEST ALABAMA BANK&TRUST has a Bank Health Score of C (61/100). It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
WEST ALABAMA BANK&TRUST holds $911M in total assets and $775M in total deposits. It is located in REFORM, ALABAMA (FDIC Certificate #16175).
WEST ALABAMA BANK&TRUST has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." The nonperforming loan ratio is 0.15%, and the return on assets is 1.24%.
Yes. WEST ALABAMA BANK&TRUST is FDIC-insured (Certificate #16175). 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.