Safest Banks in Alabama 2026
Alabama has 78 FDIC-insured banks with an average Bank Health Score of 82/100 (A). The safest bank is Bryant Bank with a score of 100/100.
Data from FDIC Q2 2024
78 Alabama banks are ranked below by the BankHealth composite score. The composite weights Tier 1 capital ratio (35%), inverted non-performing loan ratio (30%), liquidity ratio (25%), and return on assets (10%) into a 0-100 grade.
Top-of-list banks combine strong capital with clean loan books and reasonable profitability. Bottom-of-list banks face pressure on one or more scoring factors — most often elevated NPL ratios or thin profitability margins. Each bank links to its full profile with multi-quarter trend charts, the four composite factor breakdowns, and the underlying FDIC Call Report data.
Alabama's 78 FDIC-insured banks hold a combined $211.1B in assets. Their average Bank Health Score of 82/100 sits 2.0 points above the national average of 80/100. Across the state, 95% of banks earn an A or B grade for financial health, while 0% fall to a D or F.
The largest bank headquartered in Alabama is Regions Bank with $153.0B in assets and a Bank Health Score of 78/100. The strongest by score is Bryant Bank in Tuscaloosa (100/100, Tier 1 capital 18.33%). The weakest is Southpoint Bank at 52/100, dragged down by an NPL ratio of 1.18%.
All scores below come from the latest FDIC BankFind Call Report (Q2 2024). The Bank Health Score weights Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%) — the four metrics regulators watch most closely when judging whether a bank is well-capitalized. Every bank with FDIC insurance covers up to $250,000 per depositor per ownership category, but the score helps you tell apart banks that are comfortably well-capitalized from those operating closer to the line.
Top 3 Safest Banks in Alabama
Bryant Bank
Tuscaloosa, AL
Alabama's top-rated bank, with a Tier 1 capital ratio of 18.33% — well above the federal "well-capitalized" threshold of 8%. Holds $2.5B in assets.
Samson Banking Co INC
Samson, AL
Second-strongest in the state on capital and loan quality. NPL ratio sits at 0.09% with $111M in total assets.
Premier Bank of the South
Cullman, AL
Third in the rankings on the Bank Health Score. Liquidity ratio of 42.52% and ROA of 1.17%.
Top 20 of 78 Banks in Alabama
| # | Bank | City | Grade | Score | Tier 1 Capital | NPL Ratio |
|---|---|---|---|---|---|---|
| 1 | Bryant Bank | Tuscaloosa | A | 100 | 18.33% | 0.07% |
| 2 | Samson Banking Co INC | Samson | A | 99 | 14.83% | 0.09% |
| 3 | Premier Bank of the South | Cullman | A | 97 | 16.69% | 0.02% |
| 4 | Peoples Independent Bank | Boaz | A | 97 | 14.71% | 0.32% |
| 5 | Southern Bank Co | Gadsden | A | 97 | 15.92% | 0.31% |
| 6 | First Financial Bank | Bessemer | A | 96 | 15.09% | 0.21% |
| 7 | Peoples Bank of Alabama | Cullman | A | 96 | 14.06% | 0.22% |
| 8 | Metro Bank | Pell City | A | 96 | 14.87% | 0.55% |
| 9 | Dozier Bank | Dozier | A | 96 | 25.07% | 0.16% |
| 10 | Bank of Vernon | Vernon | A | 96 | 18.51% | 0.70% |
| 11 | Exchange Bank of Alabama | Altoona | A | 95 | 24.02% | 0.27% |
| 12 | First Stb of the South INC | Sulligent | A | 93 | 15.75% | 0.56% |
| 13 | First Bank of Boaz | Boaz | A | 93 | 20.65% | 0.58% |
| 14 | Auburnbank | Auburn | A | 93 | 14.47% | 0.14% |
| 15 | Bank of Moundville | Moundville | A | 93 | 17.14% | 0.03% |
| 16 | Friend Bank | Slocomb | A | 92 | 13.37% | 0.58% |
| 17 | Bank of Brewton | Brewton | A | 92 | 28.28% | 0.00% |
| 18 | Southern Independent Bank | Opp | A | 92 | 13.80% | 0.20% |
| 19 | Robertson Banking Co | Demopolis | A | 91 | 13.13% | 0.41% |
| 20 | Citizens Bank of Winfield | Winfield | A | 91 | 16.39% | 0.06% |
Bank Health Scores for Alabama are calculated from FDIC Call Report data including Tier 1 capital ratios, nonperforming loan ratios, liquidity ratios, and return on assets.
Frequently Asked Questions
Based on our Bank Health Score analysis of FDIC data, Bryant Bank in Tuscaloosa is currently the safest bank in Alabama with a score of 100/100 (Grade A). It posts a Tier 1 capital ratio of 18.33% and a nonperforming loan ratio of 0.07%.
Alabama has 78 FDIC-insured banks with a combined $211.1B in total assets. The average Bank Health Score across the state is 82/100 (Grade A).
Alabama's average Bank Health Score of 82/100 is 2.0 points above the national average of 80/100. 95% of banks in Alabama earn an A or B grade, compared with the national average grade of A.
Of 78 FDIC-insured banks headquartered in Alabama, 48 earn an A, 26 a B, 4 a C, 0 a D, and 0 an F. The most common grade is A.
The Bank Health Score (0-100) is based on four FDIC-reported metrics: Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%). Higher scores indicate stronger financial health. Every score uses the latest FDIC Call Report data.
Bank Health Scores are computed from quarterly FDIC Call Report data. Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).