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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Hazel Green, AL · FDIC certificate #27560
NORTH ALABAMA BANK is an FDIC-insured institution based in Hazel Green, AL (FDIC certificate #27560). In its Q3 2026 Call Report it reported total assets of $180M, total deposits of $157M and net loans of $140M. Its primary federal regulator is FDIC.
Plain-language readout
NORTH ALABAMA BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $180M in Q3 2026 and were lowest at $176M in Q1 2026.
Total deposits were highest at $157M in Q3 2026 and lowest at $154M in Q1 2026.
Over the whole period total assets rose 2.5%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $180M | $157M | $140M | 1.58% | 14.05% | 5.59% |
| Q2 2026 | $179M | $156M | $138M | 1.53% | 13.66% | 5.56% |
| Q1 2026 | $176M | $154M | $136M | 1.51% | 13.67% | 5.58% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $14.8M | $13.2M | +$1.6M | +12.1% |
| Federal funds sold | $1.2M | $975K | +$200K | +20.5% |
| 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) | $11.2M | $11.3M | -$125K | -1.1% |
| 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) | $137.9M | $136.3M | +$1.6M | +1.2% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $8.3M | $8.3M | -$26K | -0.3% |
| 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) | $1.2M | $1.2M | -$43K | -3.6% |
| All other assets | $4.1M | $4.5M | -$403K | -9.0% |
| Total assets | $178.6M | $175.8M | +$2.8M | +1.6% |
| Liabilities | ||||
| Total deposits | $156.0M | $153.9M | +$2.2M | +1.4% |
| 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 | $2.2M | $2.2M | -$11K | -0.5% |
| Total liabilities | $158.2M | $156.1M | +$2.1M | +1.4% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $500K | $500K | $0K | 0.0% |
| Surplus | $12.0M | $12.0M | $0K | 0.0% |
| Retained earnings | $8.9M | $8.2M | +$685K | +8.3% |
| Accumulated other comprehensive income | -$987K | -$990K | +$3K | +0.3% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $20.4M | $19.7M | +$688K | +3.5% |
| Credit and capital | ||||
| Gross nonperforming assets | $203K | $31K | +$172K | +554.8% |
| Adjusted nonperforming assets | $203K | $31K | +$172K | +554.8% |
| Tangible equity plus allowance | $20.7M | $20.0M | +$698K | +3.5% |
| Texas ratio (gross) | 0.98% | 0.15% | +0.82 pts | See points |
| Texas ratio (adjusted) | 0.98% | 0.15% | +0.82 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.98% | 0.15% | +0.82 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) | 11.73% | 11.28% | +0.45 pts | See points |
| Construction and land loans to total capital | 78.12% | 76.15% | +1.96 pts | See points |
| Commercial real estate to total capital | 188.81% | 193.29% | -4.48 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 | -6.52% | -6.68% | +0.16 pts | See points |
| Liquidity | ||||
| Core deposits | $127.2M | $126.3M | +$917K | +0.7% |
| Non-core funding | $28.8M | $27.6M | +$1.2M | +4.5% |
| Loans to core deposits | 109.61% | 109.13% | +0.48 pts | See points |
| Loans to deposits | 89.36% | 89.57% | -0.21 pts | See points |
| Brokered deposits share of deposits | 4.49% | 5.21% | -0.72 pts | See points |
| Pledged securities share of securities | 60.43% | 60.38% | +0.06 pts | See points |
| Loans pledged, share of loans | 8.16% | 9.13% | -0.97 pts | See points |
| Volatile liabilities | $31.1M | $30.8M | +$250K | +0.8% |
| Earnings | ||||
| Earnings before provision, year to date | $1.8M | $891K | +$916K | +102.8% |
| Earnings before provision, single quarter | $916K | $891K | +$25K | +2.8% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 8.20% | 8.18% | +0.02 pts | See points |
| Yield on interest-bearing balances due from banks | 3.02% | 2.81% | +0.22 pts | See points |
| Total interest income to average assets | 6.86% | 6.78% | +0.08 pts | See points |
| Cost of interest-bearing transaction accounts | 0.87% | 0.86% | +0.02 pts | See points |
| Cost of savings and money market deposits | 1.63% | 1.11% | +0.51 pts | See points |
| Cost of time deposits | 3.84% | 4.00% | -0.16 pts | See points |
| Total interest expense to average assets | 1.76% | 1.74% | +0.02 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 | $180M | $157M | $140M | 1.58% | 14.05% | 5.59% |
| 2026-06-30 | $179M | $156M | $138M | 1.53% | 13.66% | 5.56% |
| 2026-03-31 | $176M | $154M | $136M | 1.51% | 13.67% | 5.58% |
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 | $155.3M | 0.11% | 91 | Continuing · -0.01 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.