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Q2 2026 · read from the 30 June 2026 Call Report · United States · South Central · Alabama, the state note

Oakworth Capital Bank

Birmingham, Alabama · $2.13B in assets · beside the 11 other Alabama banks between $1B and $3B

The filing

97.7%
Loans / deposits
12th of 12
24.4%
CRE / loans
1st of 12
+15.4%
Loans, year over year
1st of 12, largest first

Oakworth Capital Bank is the third largest of the 12 Alabama banks nearest its size between $1B and $3B, with $2.13B in assets at 30 June 2026. Loans are 97.7% of deposits, the highest in the cohort against a median of 74.0%, and equity is 9.1% of assets, 8th of 12. Loans grew +15.4% in the year, the fastest in the cohort, and deposits grew 12.0%; the cohort's median loan growth is +2.7%.

Noncurrent loans are 0.68% of the book, 7th of 12 against a median of 0.62%; 0.10% is 30 to 89 days past due, and the allowance covers them 1.8 times. Net charge-offs are 0.21% of loans, 8th of 12. Commercial real estate is 24.4% of loans, the lowest in the cohort against a median of 38.0%, and 190% of capital, below the 300% screen, with construction at 46% against the 100% screen.

Return on assets is 1.17%, 7th of 12 against a median of 1.21%, on an efficiency ratio of 58.6%, 4th of 12. Five years ago it was 1.16%. The question is whether the new lending seasons as cleanly as the book it joined, and what funded it.

Commercial real estate, share of loansAL banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 38.0% OC Oakworth Capital Bank 24.4% CB Citizens Bank & Trust 28.7% TB Troy Bank & Trust Co. 29.8% UB United Bank 30.2% FU First U.S. Bank 33.2% SB Southpoint Bank 35.6% PB Peoples Bank of Alabama 40.4% BI Bank Independent 40.5% FB First Bank of Alabama 43.1% BB Bryant Bank 43.9% MB Metro Bank 55.1% A Auburnbank 55.2%
Loans, year over yearAL banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +2.7% OC Oakworth Capital Bank +15.4% FB First Bank of Alabama +15.1% UB United Bank +5.5% PB Peoples Bank of Alabama +4.8% TB Troy Bank & Trust Co. +4.4% A Auburnbank +3.1% CB Citizens Bank & Trust +2.2% MB Metro Bank +1.9% BI Bank Independent +0.4% FU First U.S. Bank -1.2% BB Bryant Bank -2.8% SB Southpoint Bank -26.1%

SBA 7(a), FY2008 to FY2026

Oakworth Capital Bank is the 51st largest 7(a) lender into Alabama of 277, with $19M across 18 loans, 0.5% of everything approved in the state (Live Oak Banking Company leads with $371M). 2 of its 7 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Alabama, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Jefferson, AL$10M24th of 1281.4%-2.4 pts
Baldwin, AL$3M26th of 841.2%thin
Mobile, AL$3M30th of 981.0%thin
Lancaster, SC$2M24th of 491.5%quiet FY2013
Shelby, AL$2M38th of 800.6%-0.8 pts
Cullman, AL$1M15th of 362.4%thin
Lee, AL$791K31st of 610.6%quiet FY2014
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Retail trade6$6M29.7%0.01%640th of 2,589
Administrative & waste services2$3M16.3%0.02%417th of 1,763
Wholesale trade3$3M15.6%0.01%568th of 1,651
Professional & technical services3$3M15.4%0.01%581st of 1,955
Health care & social assistance3$2M11.3%0.00%815th of 2,172
7(a) lenders into Alabama, share of approvals since FY2008277 lenders on record; the ten largest and Oakworth Capital Bank
LO Live Oak Banking Company 9.8% $371M · 254 loans PB Pinnacle Bank 4.2% $160M · 157 loans TH The Huntington National Bank 4.1% $156M · 288 loans PB PNC Bank, National Association 4.1% $154M · 1,039 loans RB Regions Bank 3.7% $139M · 234 loans MC Metro City Bank 3.0% $115M · 113 loans FF First Financial Bank 2.7% $101M · 160 loans UC United Community Bank 2.5% $94M · 126 loans SB Southstate Bank, National Associa… 2.4% $91M · 99 loans WF Wells Fargo Bank National Associa… 2.2% $83M · 613 loans OC Oakworth Capital Bank 0.5% $19M · 18 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Oakworth Capital BankRankCohort median
Total CRE against capital, the 300% screen190%5th of 12207%
Construction against capital, the 100% screen46%6th of 1248%
Construction and land development, share of loans5.8%2nd of 129.1%
Non-owner-occupied nonfarm nonresidential, share of loans15.4%3rd of 1220.7%
Total CRE, the guidance definition, share of loans24.4%1st of 1238.0%
CRE growth over 36 months, the third prong+45.1%11th of 12+15.1%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Bryant Bank$2.94B1.6%54.2%0.07%-0.02%1.0%57.1%9.4%
Bank Independent$2.86B0.6%80.2%0.22%0.24%1.4%75.4%10.2%
Oakworth Capital Bank$2.13B1.2%58.6%0.68%0.21%1.2%97.7%9.1%
Troy Bank & Trust Co.$1.60B1.4%53.2%1.35%0.20%1.3%75.5%12.0%
United Bank$1.48B1.3%62.8%1.35%0.03%1.3%76.9%14.9%
Peoples Bank of Alabama$1.42B1.9%61.6%0.56%0.09%1.6%72.6%10.1%
First Bank of Alabama$1.36B1.3%62.6%3.40%0.33%1.2%66.7%8.2%
Southpoint Bank$1.36B-1.8%65.8%3.54%4.45%2.7%85.4%7.7%
Citizens Bank & Trust$1.20B0.6%78.1%0.08%0.03%1.0%56.6%6.3%
Metro Bank$1.18B1.4%51.0%1.18%0.18%1.2%59.1%14.4%
First U.S. Bank$1.15B0.8%67.8%0.15%0.26%1.3%85.7%9.5%
Auburnbank$1.09B0.9%68.2%0.01%0.13%1.1%58.6%8.4%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Oakworth Capital BankCohort median
20212026Change20212026Change
Loans$707M$1.73B+144%$622M$933M+50%
Deposits$830M$1.77B+113%$872M$1.24B+42%
NPA / loans0.00%0.68%+0.68 pts0.44%0.62%+0.18 pts
Efficiency63.8%58.6%-5.2 pts66.0%62.7%-3.2 pts
ROA1.16%1.17%+0.00 pts1.20%1.21%+0.01 pts

This read was prepared for Oakworth Capital Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Oakworth Capital Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort AL banks $1B to $3B
Institution www.oakworth.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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