22nd State Banking Company

BankMobile, Alabama
www.22ndstatebank.com

Total Assets

$272.8M

Total Deposits

$223.4M

Branches

4

Established

1917

TFS Health Grade

$
D-

62.8 / 100

Below average financial health

How we grade

22nd State Banking Company is a bank headquartered in Mobile, Alabama, established in 1917. With $272.8M in total assets and 4 branch locations, it has a TFS Financial Health Grade of D- (62.8/100).

Capital & Safety

Tier 1 Capital Ratio
12.77%(8%)
Total Capital Ratio
15.34%(10%)
Non-Performing Loan Ratio
4.24%

Profitability

Return on Assets (ROA)
1.79%(1%)
Return on Equity (ROE)
15.54%(10%)
Net Interest Margin
7.31%
Efficiency Ratio
68.99%(60%)

Lending & Liquidity

Total Loans
$215.7M
Loan-to-Deposit Ratio
94.00%
Net Charge-Off Ratio
0.53%

Growth

Asset Growth (YoY)
-17.73%
Deposit Growth (YoY)
-23.75%
Net Income
$5.3M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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