Updated June 2026 · FDIC Call Report Q2 2024

A-Rated Banks in Alabama

48 banks · Average score: 89/100 · Combined assets $24.7B

48 banks in this state currently hold A grades, averaging a composite score of 89/100. Within the tier, individual bank profiles still vary materially on which factor is driving the grade — review the table below for the per-bank breakdown. The tier averages a Tier 1 capital ratio of 17.36% and an NPL ratio of 0.48%, sourced from the most recent FDIC quarterly Call Report.

48 Alabama banks earn an A grade on the BankHealth composite, with an average score of 89/100. A-grade banks combine strong Tier 1 capital, clean loan books, comfortable liquidity, and solid ROA.

State-and-grade combinations help depositors and policy researchers identify clusters of banking health (or stress) within a specific geography. The list below ranks Alabama A-grade banks by health score with links to each bank's full profile.

A B CDF

What "A" Means in Practice

A-graded banks in Alabama are the strongest tier — institutions with composite Bank Health Scores of 80 or higher across capital, loan quality, liquidity, and profitability. Currently 48 banks chartered in Alabama qualify. A grades typically reflect well-above-regulatory capital cushions (often 12%+ Tier 1), sub-1% nonperforming loans, and ample liquidity buffers. Many A-graded banks are conservatively run community institutions or specialty banks with focused, lower-risk loan portfolios.

For depositors: A-graded institutions face less probability of regulatory action than peers, all else equal. That said, FDIC insurance — not the bank's grade — protects deposits up to $250,000 per depositor, per insured bank, per ownership category. The grade describes regulatory cushion; insurance describes guaranteed protection.

Tier-Wide Snapshot in Alabama

Banks in this grade tier	48
Combined assets	$24.7B
Average composite score	89/100
Average Tier 1 capital ratio	17.36%
Average NPL ratio	0.48%

All A-Graded Banks in Alabama

#	Bank	City	Score	Assets	Tier 1 Capital	NPL Ratio	Liquidity
1	Bryant Bank	Tuscaloosa	100	$2.5B	18.33%	0.07%	44.05%
2	Samson Banking Co INC	Samson	99	$111M	14.83%	0.09%	61.56%
3	Premier Bank of the South	Cullman	97	$354M	16.69%	0.02%	42.52%
4	Peoples Independent Bank	Boaz	97	$447M	14.71%	0.32%	51.47%
5	Southern Bank Co	Gadsden	97	$114M	15.92%	0.31%	44.56%
6	First Financial Bank	Bessemer	96	$227M	15.09%	0.21%	39.72%
7	Peoples Bank of Alabama	Cullman	96	$1.3B	14.06%	0.22%	29.74%
8	Metro Bank	Pell City	96	$1.1B	14.87%	0.55%	46.99%
9	Dozier Bank	Dozier	96	$55M	25.07%	0.16%	44.40%
10	Bank of Vernon	Vernon	96	$339M	18.51%	0.70%	32.36%
11	Exchange Bank of Alabama	Altoona	95	$374M	24.02%	0.27%	35.91%
12	First Stb of the South INC	Sulligent	93	$129M	15.75%	0.56%	38.56%
13	First Bank of Boaz	Boaz	93	$252M	20.65%	0.58%	69.68%
14	Auburnbank	Auburn	93	$1.0B	14.47%	0.14%	34.82%
15	Bank of Moundville	Moundville	93	$124M	17.14%	0.03%	49.23%
16	Friend Bank	Slocomb	92	$203M	13.37%	0.58%	34.41%
17	Bank of Brewton	Brewton	92	$46M	28.28%	0.00%	54.92%
18	Southern Independent Bank	Opp	92	$359M	13.80%	0.20%	45.87%
19	Robertson Banking Co	Demopolis	91	$473M	13.13%	0.41%	28.22%
20	Citizens Bank of Winfield	Winfield	91	$317M	16.39%	0.06%	63.57%
21	Hometown Bank of Alabama	Oneonta	91	$624M	17.93%	0.92%	37.30%
22	First Metro Bank	Muscle Shoals	90	$968M	11.60%	0.07%	34.76%
23	Nova Bank	Huntsville	90	$31M	89.03%	0.00%	63.68%
24	Firststate Bank	Lineville	89	$317M	11.98%	0.07%	47.50%
25	First Progressive Bank	Brewton	89	$33M	26.20%	0.75%	66.81%
26	Peoples Bank of Greensboro	Greensboro	88	$103M	17.29%	1.01%	51.64%
27	First National Bank&Trust	Atmore	88	$213M	12.17%	0.00%	28.24%
28	First Nb of Hartford	Hartford	88	$149M	14.32%	0.69%	31.05%
29	Phenix-Girard Bank	Phenix City	87	$283M	12.58%	0.23%	67.81%
30	First Cmty Bank of Cntl Al	Wetumpka	87	$597M	10.79%	0.26%	32.99%
31	First Cahawba Bank	Selma	87	$178M	14.16%	0.08%	22.89%
32	Commercial Bank of Ozark	Ozark	86	$113M	16.90%	1.11%	44.59%
33	First Jackson Bank INC	Stevenson	86	$417M	12.98%	0.06%	21.33%
34	Evabank	Eva	86	$435M	28.39%	1.49%	24.63%
35	Midsouth Bank	Dothan	86	$676M	11.95%	0.09%	35.17%
36	West Alabama Bank&Trust	Reform	85	$911M	10.79%	0.15%	29.89%
37	Troy Bank&Trust Co	Troy	85	$1.5B	11.68%	0.50%	30.47%
38	Sweet Water State Bank	Sweet Water	85	$127M	14.89%	1.58%	24.79%
39	First Southern State Bank	Stevenson	84	$807M	9.84%	0.05%	38.41%
40	Bank of Evergreen	Evergreen	84	$78M	13.24%	0.92%	54.52%
41	First Stb of Dekalb County	Fort Payne	83	$325M	19.16%	2.83%	37.84%
42	Commonwealth National Bank	Mobile	82	$68M	35.57%	1.54%	62.16%
43	Community Spirit Bank	Red Bay	82	$205M	9.39%	0.01%	31.22%
44	Noblebank&Trust	Anniston	81	$401M	10.44%	0.66%	29.62%
45	River Bank&Trust	Prattville	81	$3.4B	11.77%	0.52%	26.07%
46	Ccb Community Bank	Andalusia	80	$675M	9.76%	0.08%	24.80%
47	Community Neighbor Bank	Camden	80	$170M	11.35%	1.21%	41.21%
48	First Bank of Alabama	Talladega	80	$1.1B	12.22%	0.73%	23.58%

For Depositors at A-Graded Banks

FDIC insurance — not the bank's grade — guarantees deposits up to $250,000 per depositor, per insured bank, per ownership category. Verify your bank's status and your specific coverage at FDIC.gov. The Bank Health Score and grade describe regulatory cushion in relative terms; insurance describes guaranteed protection.

For combined balances above $250,000 at a single bank, the FDIC's Electronic Deposit Insurance Estimator (EDIE) calculates exactly which dollars are insured. Account titling — joint, individual, retirement, payable-on-death — affects coverage. Federal regulators including the OCC publish the rules; FDIC.gov is the authoritative consumer source.

How These Grades Are Calculated

Every bank earns a Bank Health Score from four FDIC Call Report inputs: Tier 1 capital ratio (35%), NPL ratio inverted (30%), liquidity ratio (25%), and return on assets (10%). The 0–100 composite maps to A (80+), B (65–79), C (50–64), D (35–49), and F (under 35). Data flows from the FDIC BankFind API and the FFIEC Call Report archive. Read the full methodology.

Frequently Asked Questions

What does a A grade mean for a bank?

How many A-graded banks are in Alabama?

What does this tier look like financially?

Across 48 A-graded banks in Alabama, the average Tier 1 capital ratio is 17.36% and the average nonperforming-loan ratio is 0.48%. Combined assets in this cohort total $24.7B. These numbers come straight from the most recent quarterly FDIC Call Report.

Are deposits at A-graded banks still FDIC-insured?

Where does this data come from?

Bank financials are pulled from the FDIC BankFind API, which sources directly from quarterly Call Reports filed with the FFIEC. Health Scores are computed from a transparent four-factor formula using public Call Report fields. All FDIC and FFIEC data is U.S. government public domain.

All banks in Alabama →All grade A banks nationwide →Healthiest Banks →Methodology →

Sources: FDIC BankFind API ( banks.data.fdic.gov); FFIEC Call Reports ( cdr.ffiec.gov/public); OCC ( occ.gov). Public domain.

Last updated 2026-06-29 · 48 A-graded banks in Alabama. Informational only; not investment advice. Verify FDIC insurance directly at FDIC.gov.