West Alabama Bank & Trust

BankReform, Alabama
www.wabt.com

Total Assets

$1.0B

Total Deposits

$885.4M

Branches

16

Established

1944

TFS Health Grade

$
D

66.6 / 100

Below average financial health

How we grade

West Alabama Bank & Trust is a bank headquartered in Reform, Alabama, established in 1944. With $1.0B in total assets and 16 branch locations, it has a TFS Financial Health Grade of D (66.6/100).

Capital & Safety

Tier 1 Capital Ratio
11.44%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.45%

Profitability

Return on Assets (ROA)
1.11%(1%)
Return on Equity (ROE)
12.40%(10%)
Net Interest Margin
3.37%
Efficiency Ratio
58.34%(60%)

Lending & Liquidity

Total Loans
$578.9M
Loan-to-Deposit Ratio
64.57%
Net Charge-Off Ratio
0.14%

Growth

Asset Growth (YoY)
+3.02%
Deposit Growth (YoY)
+3.68%
Net Income
$10.6M

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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