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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Reform, AL · FDIC certificate #16175 · RSSD 501132
WEST ALABAMA BANK&TRUST is an FDIC-insured institution based in Reform, AL (FDIC certificate #16175). In its Q3 2026 Call Report it reported total assets of $920M, total deposits of $805M and net loans of $598M. Its primary federal regulator is FDIC. Its current parent is WEST ALABAMA CAPITAL CORP..
Plain-language readout
WEST ALABAMA BANK&TRUST is compared with 900 verified institutions in its asset cohort for Q3 2026. A percentile of 50 means the bank sits at the cohort median; higher means a larger value than most peers, which is better or worse depending on the metric.
Brokered deposits to domestic deposits: WEST ALABAMA BANK&TRUST reported 0.013, in the 45.3th percentile of 900 peers, where the median is 0.022. Selected CRE loans to gross loans and leases: WEST ALABAMA BANK&TRUST reported 0.407, in the 33.9th percentile of 857 peers, where the median is 0.469. Domestic secured CRE noncurrent ratio: WEST ALABAMA BANK&TRUST reported 0.000, in the 20.4th percentile of 884 peers, where the median is 0.003. Nontrading derivative fair value to assets: WEST ALABAMA BANK&TRUST reported 0.000, in the 0.0th percentile of 536 peers, where the median is 0.000. Unadjusted YTD efficiency ratio: WEST ALABAMA BANK&TRUST reported 0.583, in the 40.3th percentile of 894 peers, where the median is 0.612. Bank equity to assets: WEST ALABAMA BANK&TRUST reported 0.093, in the 30.5th percentile of 904 peers, where the median is 0.103. Cash and securities to assets: WEST ALABAMA BANK&TRUST reported 0.297, in the 75.9th percentile of 905 peers, where the median is 0.209. Domestic loans to domestic deposits: WEST ALABAMA BANK&TRUST reported 0.654, in the 11.3th percentile of 900 peers, where the median is 0.876. Nonaccrual loans ratio: WEST ALABAMA BANK&TRUST reported 0.005, in the 48.2th percentile of 897 peers, where the median is 0.005. Noncurrent loans ratio: WEST ALABAMA BANK&TRUST reported 0.005, in the 45.1th percentile of 897 peers, where the median is 0.005. Securities to assets: WEST ALABAMA BANK&TRUST reported 0.242, in the 81.6th percentile of 905 peers, where the median is 0.146. Time deposits maturing within one year: WEST ALABAMA BANK&TRUST reported 0.724, in the 14.1th percentile of 889 peers, where the median is 0.912. Efficiency ratio (official UBPR): WEST ALABAMA BANK&TRUST reported 0.580, in the 41.1th percentile of 872 peers, where the median is 0.607. Net interest margin (official UBPR): WEST ALABAMA BANK&TRUST reported 0.033, in the 38.3th percentile of 872 peers, where the median is 0.035. Interest Income (TE) as a percent of Average Assets: WEST ALABAMA BANK&TRUST reported 0.050, in the 37.3th percentile of 872 peers, where the median is 0.053. Interest Expense as a percent of Average Assets: WEST ALABAMA BANK&TRUST reported 0.020, in the 51.7th percentile of 872 peers, where the median is 0.019. Net Interest Income (TE) % of Avg Assets: WEST ALABAMA BANK&TRUST reported 0.031, in the 33.3th percentile of 872 peers, where the median is 0.034. Noninterest Income as a percent of Average Assets: WEST ALABAMA BANK&TRUST reported 0.007, in the 62.1th percentile of 872 peers, where the median is 0.006. Non-Interest Expense as a percent of Average Assets: WEST ALABAMA BANK&TRUST reported 0.022, in the 34.9th percentile of 872 peers, where the median is 0.024. Provision for Loan Losses % of Avg Assets: WEST ALABAMA BANK&TRUST reported 0.001, in the 51.5th percentile of 872 peers, where the median is 0.001. Pretax Operating Income (TE) % of Avg Assets: WEST ALABAMA BANK&TRUST reported 0.015, in the 52.6th percentile of 872 peers, where the median is 0.014. Realized Gains(Losses) on the sale of Securities as a percent of Average Assets: WEST ALABAMA BANK&TRUST reported -0.001, in the 8.2th percentile of 872 peers, where the median is 0.000. Pretax Net Operating Income (TE) as a percent of Average Assets: WEST ALABAMA BANK&TRUST reported 0.014, in the 49.3th percentile of 872 peers, where the median is 0.014. Net Operating Income as a percent of Average Assets: WEST ALABAMA BANK&TRUST reported 0.011, in the 45.5th percentile of 872 peers, where the median is 0.011. Net Income Adjusted for Sub Chapter S Status as a percent of Average Assets: WEST ALABAMA BANK&TRUST reported 0.011, in the 47.3th percentile of 872 peers, where the median is 0.011. Average Earning Assets as a percent of Average Assets: WEST ALABAMA BANK&TRUST reported 0.928, in the 13.8th percentile of 872 peers, where the median is 0.955. Average Interest-Bearing Funds as a percent of Average Assets: WEST ALABAMA BANK&TRUST reported 0.619, in the 14.2th percentile of 872 peers, where the median is 0.725. Interest Income (TE) as a percent of Average Earning Assets: WEST ALABAMA BANK&TRUST reported 0.054, in the 45.0th percentile of 872 peers, where the median is 0.056. Net Interest Income (TE) as a percent of Average Earning Assets: WEST ALABAMA BANK&TRUST reported 0.033, in the 37.9th percentile of 872 peers, where the median is 0.035. Net Loss as a percent of Average Total Loans and Leases: WEST ALABAMA BANK&TRUST reported 0.001, in the 68.4th percentile of 864 peers, where the median is 0.001. Total LN&LS-30-89 DAYS Past Due %: WEST ALABAMA BANK&TRUST reported 0.006, in the 71.8th percentile of 864 peers, where the median is 0.003. Net Loans & Leases as a percent of Total Deposits: WEST ALABAMA BANK&TRUST reported 0.646, in the 11.8th percentile of 867 peers, where the median is 0.864. Net Income Attributed to Minority Interests as a percent of Average Assets: WEST ALABAMA BANK&TRUST reported 0.000, in the 0.1th percentile of 872 peers, where the median is 0.000. Unrealized holding gains (losses) on equity securities not held for trading as a percent of average assets: WEST ALABAMA BANK&TRUST reported 0.000, in the 1.8th percentile of 872 peers, where the median is 0.000. Provision for Losses Other Assets % of Avg Assets: WEST ALABAMA BANK&TRUST reported 0.000, in the 18.6th percentile of 872 peers, where the median is 0.000. Pre Provision Net Revenue YTD % of Average Assets (TE): WEST ALABAMA BANK&TRUST reported 0.016, in the 49.8th percentile of 872 peers, where the median is 0.016. Return on assets (official UBPR): WEST ALABAMA BANK&TRUST reported 0.011, in the 45.6th percentile of 872 peers, where the median is 0.011. Return on equity (official UBPR): WEST ALABAMA BANK&TRUST reported 0.124, in the 58.6th percentile of 871 peers, where the median is 0.114.
Peer history below covers 4 quarters of WEST ALABAMA BANK&TRUST's reported assets, deposits, net loans, ROA, ROE and NIM, most recently Q3 2026.
| Metric | Bank value | Peer median | Percentile | Peers |
|---|---|---|---|---|
| Brokered deposits to domestic deposits | 0.013 | 0.022 | 45.3th | 900 |
| Selected CRE loans to gross loans and leases | 0.407 | 0.469 | 33.9th | 857 |
| Domestic secured CRE noncurrent ratio | 0.000 | 0.003 | 20.4th | 884 |
| Nontrading derivative fair value to assets | 0.000 | 0.000 | 0.0th | 536 |
| Unadjusted YTD efficiency ratio | 0.583 | 0.612 | 40.3th | 894 |
| Bank equity to assets | 0.093 | 0.103 | 30.5th | 904 |
| Cash and securities to assets | 0.297 | 0.209 | 75.9th | 905 |
| Domestic loans to domestic deposits | 0.654 | 0.876 | 11.3th | 900 |
| Nonaccrual loans ratio | 0.005 | 0.005 | 48.2th | 897 |
| Noncurrent loans ratio | 0.005 | 0.005 | 45.1th | 897 |
| Securities to assets | 0.242 | 0.146 | 81.6th | 905 |
| Time deposits maturing within one year | 0.724 | 0.912 | 14.1th | 889 |
| Efficiency ratio (official UBPR) | 0.580 | 0.607 | 41.1th | 872 |
| Net interest margin (official UBPR) | 0.033 | 0.035 | 38.3th | 872 |
| Interest Income (TE) as a percent of Average Assets | 0.050 | 0.053 | 37.3th | 872 |
| Interest Expense as a percent of Average Assets | 0.020 | 0.019 | 51.7th | 872 |
| Net Interest Income (TE) % of Avg Assets | 0.031 | 0.034 | 33.3th | 872 |
| Noninterest Income as a percent of Average Assets | 0.007 | 0.006 | 62.1th | 872 |
| Non-Interest Expense as a percent of Average Assets | 0.022 | 0.024 | 34.9th | 872 |
| Provision for Loan Losses % of Avg Assets | 0.001 | 0.001 | 51.5th | 872 |
| Pretax Operating Income (TE) % of Avg Assets | 0.015 | 0.014 | 52.6th | 872 |
| Realized Gains(Losses) on the sale of Securities as a percent of Average Assets | -0.001 | 0.000 | 8.2th | 872 |
| Pretax Net Operating Income (TE) as a percent of Average Assets | 0.014 | 0.014 | 49.3th | 872 |
| Net Operating Income as a percent of Average Assets | 0.011 | 0.011 | 45.5th | 872 |
| Net Income Adjusted for Sub Chapter S Status as a percent of Average Assets | 0.011 | 0.011 | 47.3th | 872 |
| Average Earning Assets as a percent of Average Assets | 0.928 | 0.955 | 13.8th | 872 |
| Average Interest-Bearing Funds as a percent of Average Assets | 0.619 | 0.725 | 14.2th | 872 |
| Interest Income (TE) as a percent of Average Earning Assets | 0.054 | 0.056 | 45.0th | 872 |
| Net Interest Income (TE) as a percent of Average Earning Assets | 0.033 | 0.035 | 37.9th | 872 |
| Net Loss as a percent of Average Total Loans and Leases | 0.001 | 0.001 | 68.4th | 864 |
| Total LN&LS-30-89 DAYS Past Due % | 0.006 | 0.003 | 71.8th | 864 |
| Net Loans & Leases as a percent of Total Deposits | 0.646 | 0.864 | 11.8th | 867 |
| Net Income Attributed to Minority Interests as a percent of Average Assets | 0.000 | 0.000 | 0.1th | 872 |
| Unrealized holding gains (losses) on equity securities not held for trading as a percent of average assets | 0.000 | 0.000 | 1.8th | 872 |
| Provision for Losses Other Assets % of Avg Assets | 0.000 | 0.000 | 18.6th | 872 |
| Pre Provision Net Revenue YTD % of Average Assets (TE) | 0.016 | 0.016 | 49.8th | 872 |
| Return on assets (official UBPR) | 0.011 | 0.011 | 45.6th | 872 |
| Return on equity (official UBPR) | 0.124 | 0.114 | 58.6th | 871 |
Peers
| Ratio | Value | Peer median | Percentile | Band | Direction |
|---|---|---|---|---|---|
| Brokered deposits to domestic deposits | 0.013 | 0.022 | 45 | Top 50% | lower is better |
| Selected CRE loans to gross loans and leases | 0.407 | 0.469 | 34 | No band | no single better direction |
| Domestic secured CRE noncurrent ratio | 0.000 | 0.003 | 20 | Top 50% | lower is better |
| Nontrading derivative fair value to assets | 0.000 | 0.000 | 0 | No band | no single better direction |
| Unadjusted YTD efficiency ratio | 0.583 | 0.612 | 40 | Top 50% | lower is better |
| Bank equity to assets | 0.093 | 0.103 | 30 | 21–35% | higher is better |
| Cash and securities to assets | 0.297 | 0.209 | 76 | Top 50% | higher is better |
| Domestic loans to domestic deposits | 0.654 | 0.876 | 11 | No band | no single better direction |
| Nonaccrual loans ratio | 0.005 | 0.005 | 48 | Top 50% | lower is better |
| Noncurrent loans ratio | 0.005 | 0.005 | 45 | Top 50% | lower is better |
| Securities to assets | 0.242 | 0.146 | 82 | No band | no single better direction |
| Time deposits maturing within one year | 0.724 | 0.912 | 14 | No band | no single better direction |
| Efficiency ratio (official UBPR) | 0.580 | 0.607 | 41 | Top 50% | lower is better |
| Net interest margin (official UBPR) | 0.033 | 0.035 | 38 | No band | no single better direction |
| Interest Income (TE) as a percent of Average Assets | 0.050 | 0.053 | 37 | No band | no single better direction |
| Interest Expense as a percent of Average Assets | 0.020 | 0.019 | 52 | No band | no single better direction |
| Net Interest Income (TE) % of Avg Assets | 0.031 | 0.034 | 33 | No band | no single better direction |
| Noninterest Income as a percent of Average Assets | 0.007 | 0.006 | 62 | No band | no single better direction |
| Non-Interest Expense as a percent of Average Assets | 0.022 | 0.024 | 35 | No band | no single better direction |
| Provision for Loan Losses % of Avg Assets | 0.001 | 0.001 | 52 | No band | no single better direction |
| Pretax Operating Income (TE) % of Avg Assets | 0.015 | 0.014 | 53 | No band | no single better direction |
| Realized Gains(Losses) on the sale of Securities as a percent of Average Assets | -0.001 | 0.000 | 8 | No band | no single better direction |
| Pretax Net Operating Income (TE) as a percent of Average Assets | 0.014 | 0.014 | 49 | No band | no single better direction |
| Net Operating Income as a percent of Average Assets | 0.011 | 0.011 | 45 | No band | no single better direction |
| Net Income Adjusted for Sub Chapter S Status as a percent of Average Assets | 0.011 | 0.011 | 47 | No band | no single better direction |
| Average Earning Assets as a percent of Average Assets | 0.928 | 0.955 | 14 | No band | no single better direction |
| Average Interest-Bearing Funds as a percent of Average Assets | 0.619 | 0.725 | 14 | No band | no single better direction |
| Interest Income (TE) as a percent of Average Earning Assets | 0.054 | 0.056 | 45 | No band | no single better direction |
| Net Interest Income (TE) as a percent of Average Earning Assets | 0.033 | 0.035 | 38 | No band | no single better direction |
| Net Loss as a percent of Average Total Loans and Leases | 0.001 | 0.001 | 68 | No band | no single better direction |
| Total LN&LS-30-89 DAYS Past Due % | 0.006 | 0.003 | 72 | No band | no single better direction |
| Net Loans & Leases as a percent of Total Deposits | 0.646 | 0.864 | 12 | No band | no single better direction |
| Net Income Attributed to Minority Interests as a percent of Average Assets | 0.000 | 0.000 | 0 | No band | no single better direction |
| Unrealized holding gains (losses) on equity securities not held for trading as a percent of average assets | 0.000 | 0.000 | 2 | No band | no single better direction |
| Provision for Losses Other Assets % of Avg Assets | 0.000 | 0.000 | 19 | No band | no single better direction |
| Pre Provision Net Revenue YTD % of Average Assets (TE) | 0.016 | 0.016 | 50 | No band | no single better direction |
| Return on assets (official UBPR) | 0.011 | 0.011 | 46 | No band | no single better direction |
| Return on equity (official UBPR) | 0.124 | 0.114 | 59 | No band | no single better direction |
Peers
Growth against peers is not available: it needs the same quarter a year earlier for both the bank and its peer group.
The peer figure is the change in the peer-group median, which is not the same as the median of each peer's own growth. Treat it as a guide to whether the bank is growing faster or slower than its group.
Peers
Share of the 15 closest banks by size (in the same state) that grew or shrank last quarter.
| Measure | Growing | Shrinking | Banks reporting |
|---|---|---|---|
| Total assets | 40.00% | 60.00% | 15 |
| Total deposits | 46.67% | 53.33% | 15 |
| Net loans and leases | 66.67% | 33.33% | 15 |
Quarter-over-quarter change from each bank's latest filing. A bank with no change counts in neither column. Credit events such as new nonaccrual loans need each peer's own filings and are not shown here.
Based on the 15 closest banks by size.
Peer interpretation
Under $1B asset cohort · 3148 institutions
Deterministic peer comparison, not a regulatory rating or diagnosis. “Opportunity” means lower favorable percentile within this asset cohort.
Period-matched peer context
Percentiles use 900 verified constituents for the same filing period.
Historical peer positioning
Period-matched asset cohort. Position describes the distribution only; it is not a rating.
| Metric | 2025-12 | 2026-03 | 2026-06 | 2026-09 |
|---|---|---|---|---|
| Total assetsASSET | < P25 | — | — | — |
| Total depositsDEP | < P25 | — | — | — |
| Net loansLNLSNET | < P25 | — | — | — |
| Return on assetsROA | P25–75 | — | — | — |
| Return on equityROE | P25–75 | — | — | — |
| Net interest marginNIMY | P25–75 | — | — | — |
Cohorts are matched separately for each reporting period. Above or below a peer quartile can be favorable, unfavorable, or neutral depending on the measure and context.