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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Tuscaloosa, AL · FDIC certificate #9614
LOCAL BANK is an FDIC-insured institution based in Tuscaloosa, AL (FDIC certificate #9614). In its Q3 2026 Call Report it reported total assets of $115M, total deposits of $86M and net loans of $93M. Its primary federal regulator is FDIC.
Plain-language readout
LOCAL BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $115M in Q3 2026 and were lowest at $105M in Q1 2026.
Total deposits were highest at $87M in Q2 2026 and lowest at $78M in Q1 2026.
Over the whole period total assets rose 8.7%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $115M | $86M | $93M | -1.20% | -7.65% | 3.73% |
| Q2 2026 | $111M | $87M | $86M | -1.47% | -9.21% | 3.68% |
| Q1 2026 | $105M | $78M | $85M | -2.19% | -13.42% | 3.33% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $15.6M | $10.5M | +$5.1M | +48.9% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| 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) | $2.5M | $2.6M | -$82K | -3.2% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $10.5M | $12.8M | -$2.3M | -17.9% |
| Net loans and leases (after allowance) | $75.1M | $72.5M | +$2.6M | +3.5% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $3.1M | $3.3M | -$173K | -5.2% |
| Other real estate owned | $185K | $185K | $0K | 0.0% |
| 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) | $1.1M | $1.1M | -$5K | -0.4% |
| All other assets | $3.1M | $2.4M | +$709K | +29.3% |
| Total assets | $111.3M | $105.4M | +$5.9M | +5.6% |
| Liabilities | ||||
| Total deposits | $87.5M | $78.3M | +$9.1M | +11.7% |
| 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 | $4.0M | $8.1M | -$4.0M | -50.2% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $2.8M | $1.8M | +$976K | +54.5% |
| Total liabilities | $94.2M | $88.2M | +$6.1M | +6.9% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $50K | $50K | $0K | 0.0% |
| Surplus | $18.8M | $18.8M | $0K | 0.0% |
| Retained earnings | -$1.7M | -$1.5M | -$212K | -13.8% |
| Accumulated other comprehensive income | -$40K | -$43K | +$3K | +7.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $17.1M | $17.3M | -$209K | -1.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.4M | $1.4M | -$5K | -0.4% |
| Adjusted nonperforming assets | $1.4M | $1.4M | -$5K | -0.4% |
| Tangible equity plus allowance | $16.7M | $16.9M | -$160K | -0.9% |
| Texas ratio (gross) | 8.46% | 8.41% | +0.05 pts | See points |
| Texas ratio (adjusted) | 8.46% | 8.41% | +0.05 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 8.63% | 8.41% | +0.22 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) | 14.29% | 14.72% | -0.43 pts | See points |
| Construction and land loans to total capital | 109.11% | 94.95% | +14.16 pts | See points |
| Commercial real estate to total capital | 203.26% | 187.80% | +15.46 pts | See points |
| Dividend payout, year to date | Not reported | Not reported | Not reported | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.30% | -0.32% | +0.02 pts | See points |
| Liquidity | ||||
| Core deposits | $75.1M | $71.3M | +$3.9M | +5.4% |
| Non-core funding | $16.4M | $15.1M | +$1.2M | +8.2% |
| Loans to core deposits | 100.99% | 102.79% | -1.80 pts | See points |
| Loans to deposits | 86.73% | 93.52% | -6.79 pts | See points |
| Brokered deposits share of deposits | 5.13% | 0.00% | +5.13 pts | See points |
| Pledged securities share of securities | 5.90% | 6.10% | -0.20 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $16.4M | $15.1M | +$1.2M | +8.2% |
| Earnings | ||||
| Earnings before provision, year to date | -$682K | -$510K | -$172K | -33.7% |
| Earnings before provision, single quarter | -$172K | -$510K | +$338K | +66.3% |
| Provision for credit losses, year to date | $225K | $185K | +$40K | +21.6% |
| Yield and cost | ||||
| Yield on loans and leases | 8.46% | 7.67% | +0.79 pts | See points |
| Yield on interest-bearing balances due from banks | 4.00% | 3.98% | +0.02 pts | See points |
| Total interest income to average assets | 6.42% | 5.88% | +0.55 pts | See points |
| Cost of interest-bearing transaction accounts | 2.50% | 1.54% | +0.96 pts | See points |
| Cost of savings and money market deposits | 3.55% | 3.65% | -0.11 pts | See points |
| Cost of time deposits | 3.91% | 4.08% | -0.17 pts | See points |
| Total interest expense to average assets | 2.57% | 2.71% | -0.13 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 | $115M | $86M | $93M | -1.20% | -7.65% | 3.73% |
| 2026-06-30 | $111M | $87M | $86M | -1.47% | -9.21% | 3.68% |
| 2026-03-31 | $105M | $78M | $85M | -2.19% | -13.42% | 3.33% |
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 | $74.9M | 0.05% | 118 | Continuing · +0.02 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.