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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Dozier, AL · FDIC certificate #2794
DOZIER BANK is an FDIC-insured institution based in Dozier, AL (FDIC certificate #2794). In its Q3 2026 Call Report it reported total assets of $56M, total deposits of $41M and net loans of $19M. Its primary federal regulator is FDIC.
Plain-language readout
DOZIER BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $56M in Q1 2026 and were lowest at $55M in Q2 2026.
Total deposits were highest at $41M in Q3 2026 and lowest at $40M in Q2 2026.
Over the whole period total assets fell 0.1%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $56M | $41M | $19M | 1.10% | 4.52% | 3.30% |
| Q2 2026 | $55M | $40M | $20M | 1.06% | 4.34% | 3.30% |
| Q1 2026 | $56M | $41M | $22M | 1.10% | 4.54% | 3.34% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $805K | $686K | +$119K | +17.3% |
| Federal funds sold | $10.5M | $10.6M | -$98K | -0.9% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $20.3M | $19.5M | +$842K | +4.3% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $19.8M | $21.6M | -$1.7M | -8.1% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2K | $5K | -$3K | -60.0% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $3.3M | $3.3M | +$66K | +2.0% |
| Total assets | $54.8M | $55.7M | -$819K | -1.5% |
| Liabilities | ||||
| Total deposits | $40.3M | $41.2M | -$849K | -2.1% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $956K | $996K | -$40K | -4.0% |
| Total liabilities | $41.3M | $42.2M | -$889K | -2.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $225K | $225K | $0K | 0.0% |
| Surplus | $225K | $225K | $0K | 0.0% |
| Retained earnings | $14.7M | $14.5M | +$140K | +1.0% |
| Accumulated other comprehensive income | -$1.6M | -$1.5M | -$70K | -4.7% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $13.6M | $13.5M | +$70K | +0.5% |
| Credit and capital | ||||
| Gross nonperforming assets | $369K | $235K | +$134K | +57.0% |
| Adjusted nonperforming assets | $369K | $235K | +$134K | +57.0% |
| Tangible equity plus allowance | $13.8M | $13.7M | +$70K | +0.5% |
| Texas ratio (gross) | 2.68% | 1.71% | +0.96 pts | See points |
| Texas ratio (adjusted) | 2.68% | 1.71% | +0.96 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 2.68% | 1.71% | +0.96 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 26.77% | 26.66% | +0.11 pts | See points |
| Construction and land loans to total capital | 15.36% | 25.44% | -10.08 pts | See points |
| Commercial real estate to total capital | 47.19% | 58.13% | -10.94 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -14.46% | -13.95% | -0.51 pts | See points |
| Liquidity | ||||
| Core deposits | $38.6M | $39.5M | -$853K | -2.2% |
| Non-core funding | $1.7M | $1.7M | +$4K | +0.2% |
| Loans to core deposits | 51.92% | 55.22% | -3.30 pts | See points |
| Loans to deposits | 49.75% | 52.96% | -3.21 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 2.85% | 2.96% | -0.11 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $1.7M | $1.7M | +$4K | +0.2% |
| Earnings | ||||
| Earnings before provision, year to date | $370K | $191K | +$179K | +93.7% |
| Earnings before provision, single quarter | $179K | $191K | -$12K | -6.3% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.75% | 6.86% | -0.12 pts | See points |
| Yield on interest-bearing balances due from banks | 3.27% | 3.50% | -0.23 pts | See points |
| Total interest income to average assets | 3.98% | 4.06% | -0.08 pts | See points |
| Cost of interest-bearing transaction accounts | 0.03% | 0.03% | +0.00 pts | See points |
| Cost of savings and money market deposits | 1.98% | 1.92% | +0.06 pts | See points |
| Cost of time deposits | 2.00% | 2.23% | -0.23 pts | See points |
| Total interest expense to average assets | 1.01% | 1.01% | +0.00 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $56M | $41M | $19M | 1.10% | 4.52% | 3.30% |
| 2026-06-30 | $55M | $40M | $20M | 1.06% | 4.34% | 3.30% |
| 2026-03-31 | $56M | $41M | $22M | 1.10% | 4.54% | 3.34% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| AL | $41.6M | 0.03% | 125 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.