The catalogue › United States › South Central › Alabama
The state note · prepared 7 September 2026

Alabama

93 banks and 89 credit unions read from their latest filings, every institution ranked against the rest of the state.

Small-business lending ↓

Banks

93 banks filing · read from the 30 June 2026 Call Report
93
banks filing
$230B in assets
+5.7%
Loans, year over year
median; 25 above 10%, 21 shrinking
26.6%
CRE / loans
median
68.8%
Loans / deposits
median
0.48%
NPA / loans
median
10.2%
Equity / assets
median

Alabama's 93 banks hold $230B in assets at 30 June 2026. Regions Bank is the largest at $160B, and the five largest hold 82% of the total; 18 institutions are above $1B, holding $207B.

Loans grew a median +5.7% in the year to 30 June 2026: 25 institutions grew faster than 10% and 21 shrank. The median bank lends 69% of its deposits and holds commercial real estate at 26.6% of loans. Nonperforming loans sit at a median 0.48% of the book, return on assets at 1.08%, and equity at 10.2% of assets.

8 of the 93 are in the catalogue, each read from its own filing beside the banks its size in the state: Regions Bank, Servisfirst Bank, River Bank & Trust, Bryant Bank, Bank Independent, Oakworth Capital Bank, West Alabama Bank & Trust, First Southern State Bank.

Who holds the state's assetseach institution's share of the $230B the state's 93 hold; the largest first, amber in the catalogue
Regions Bank: 69.5%RB69%Servisfirst Bank: 8.0%SB8%River Bank & Trust: 1.7%CB & S Bank Inc: 1.3%Bryant Bank: 1.3%Bank Independent: 1.2%Oakworth Capital Bank: 0.9%Troy Bank & Trust Co.: 0.7%United Bank: 0.6%Peoples Bank of Alabama: 0.6%83 others 14%RBRegions Bank69.5%SBServisfirst Bank8.0%RBRiver Bank & Trust1.7%CSCB & S Bank Inc1.3%BBBryant Bank1.3%BIBank Independent1.2%OCOakworth Capital Bank0.9%TBTroy Bank & Trust Co.0.7%UBUnited Bank0.6%PBPeoples Bank of Alaba…0.6%

Regions Bank holds 69.5% of the state's bank assets; the five largest hold 82%, and 18 of the 93 are above $1B.

How concentrated that iscumulative share of assets against the share of institutions, largest first; the Gini from the drawn curve
0%0%25%25%50%50%75%75%100%100%equal sharesThe largestRegions Bank: 69% of the totalThe five largest82% of the totalThe ten largest86% of the totalGINI0.90 = equal shares · 1 = one holds everythingshare of institutions, largest first →↑ share of the total

The curve's distance from the diagonal is the concentration: 82% of the assets in 5% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

What the state's banks lendthe loan book of every bank in the state, summed by category as filed
Commercial & industrial24.3%$35.6B1-4 family residential, closed-end20.7%$30.3BOther loans and leases11.5%$16.8BNonfarm nonresidential, non-owner-occupied9.0%$13.2BNonfarm nonresidential, owner-occupied8.8%$12.8BStates & municipalities5.3%$7.8BConstruction & land5.3%$7.7BConsumer, other4.6%$6.7BMultifamily4.5%$6.6BHome equity lines3.6%$5.3BCredit card1.0%$1.5BFarmland0.8%$1.2BAgricultural production0.4%$613MAuto0.3%$374M

Commercial & industrial is the largest category at 24.3% of the state's $147B in loans, then 1-4 family residential, closed-end at 20.7% and Other loans and leases at 11.5%.

Loans, year over yearAlabama banks, 30 June 2026 against a year earlier · no better direction, largest first · the 25 highest of 92 · amber, in the catalogue
state median +5.7% B Bank47 +67.0% NB Nova Bank +30.0% SB State Bank & Trust +29.0% MB Merit Bank +27.7% CB Citizens Bank of Winfield +21.7% CN Commonwealth National Bank +20.9% US Union State Bank +20.4% HF HNB First Bank +20.0% Bo Bank of Vernon +19.3% LB Liberty Bank +18.1% MB Millennial Bank +17.9% LB Local Bank +17.3% FC First Cahawba Bank +16.9% SB Southern Bank Co. +16.8% OC Oakworth Capital Bank +15.4% FB First Bank of Alabama +15.1% MC Marion Community Bank +14.3% CS CB & S Bank Inc +14.0% FF First Financial Bank +14.0% MF Merchants & Farmers Bank Greene +13.3% FC First Community Bank of Central A… +13.2% CS Central State Bank +12.0% VS Valley State Bank +11.4% RB River Bank & Trust +11.3% PB Premier Bank of the South +10.5%

Bank47 grew fastest at +67.0%; 25 grew faster than 10% and 21 shrank, Southpoint Bank the most at -26.1%. The median is +5.7%.

Commercial real estate, share of loansAlabama banks, 30 June 2026 · construction, multifamily and non-owner-occupied nonresidential; listed largest first · the 25 highest of 93 · amber, in the catalogue
state median 26.6% A Auburnbank 55.2% MB Metro Bank 55.1% PB Phenix-girard Bank 53.4% US Union State Bank 48.2% RB Robertson Banking Co. 46.5% SB Servisfirst Bank 46.1% PI Peoples Independent Bank 45.2% MB Midsouth Bank 45.1% BB Bryant Bank 43.9% FB First Bank of Alabama 43.1% NT Noblebank & Trust 42.3% FJ First Jackson Bank Inc 41.8% BI Bank Independent 40.5% PB Peoples Bank of Alabama 40.4% CS CB & S Bank Inc 39.2% E Evabank 39.1% FM First Metro Bank 37.5% CB Commerceone Bank 37.2% LB Local Bank 37.0% DB Dozier Bank 36.1% SB Southpoint Bank 35.6% MB Millennial Bank 35.2% MC Marion Community Bank 33.7% FU First U.S. Bank 33.2% CS Central State Bank 32.8%

Auburnbank is the most CRE-weighted at 55.2% of loans; 14 of the 93 are above 40%, against a median of 26.6%.

Commercial real estate against capital, the 300% screenAlabama banks, 30 June 2026 · the 2006 interagency guidance's screen; total risk-based capital where filed, Tier 1 for a CBLR filer; listed largest first · the 25 highest of 93 · amber, in the catalogue
state median 123% 300% screen SB Southpoint Bank 350% SB Servisfirst Bank 307% MB Millennial Bank 299% CB Commerceone Bank 273% A Auburnbank 273% MB Midsouth Bank 258% RB Robertson Banking Co. 255% FU First U.S. Bank 249% FB First Bank of Alabama 244% BI Bank Independent 243% CC CCB Community Bank 233% CS Central State Bank 233% NT Noblebank & Trust 230% MC Marion Community Bank 228% US Union State Bank 227% PB Peoples Bank of Alabama 215% LB Local Bank 214% AB Amerifirst Bank 210% FC First Community Bank of Central A… 207% MB Merit Bank 207% HF HNB First Bank 205% CS CB & S Bank Inc 204% NA North Alabama Bank 202% BB Bryant Bank 200% FJ First Jackson Bank Inc 195%

2 of the 93 banks sit above the 300% screen, Southpoint Bank the highest at 350% of capital; the median is 123%. Crossing the screen is not a violation; it is the level at which examiners expect the risk-management practices the guidance describes.

Construction and land development against capital, the 100% screenAlabama banks, 30 June 2026 · the guidance's first prong; listed largest first · the 25 highest of 93 · amber, in the catalogue
state median 43% 100% screen AB Amerifirst Bank 143% CS Central State Bank 137% HF HNB First Bank 135% FC First Community Bank of Central A… 131% MB Midsouth Bank 128% LB Local Bank 115% BB Brantley Bank & Trust Co. 103% LB Liberty Bank 99% SB Southpoint Bank 98% MC Marion Community Bank 84% NA North Alabama Bank 84% CS CB & S Bank Inc 82% US Union State Bank 79% TB Traditions Bank 77% SB State Bank & Trust 72% SB Servisfirst Bank 72% SI Southern Independent Bank 71% BB Bryant Bank 70% CC CCB Community Bank 69% MB Millennial Bank 68% CB Commerceone Bank 68% FB Friend Bank 68% RB River Bank & Trust 66% FC First Cahawba Bank 63% FM First Metro Bank 63%

7 of the 93 banks sit above the 100% construction screen, Amerifirst Bank the highest at 143%; the median is 43%.

Loans to depositsAlabama banks, 30 June 2026 · listed highest first · the 25 highest of 93 · amber, in the catalogue
state median 69% FF First Federal Bank A FSB 126% CS Cullman Savings Bank 122% E Evabank 117% NB Nova Bank 108% B Banksouth 102% SB Servisfirst Bank 99% LB Local Bank 99% OC Oakworth Capital Bank 98% TB Traditions Bank 96% nS 22nd State Banking Co. 90% MB Merit Bank 90% NA North Alabama Bank 89% MB Millennial Bank 89% Bo Bank of Vernon 89% HF HNB First Bank 88% AB Amerifirst Bank 86% CC CCB Community Bank 86% FU First U.S. Bank 86% FJ First Jackson Bank Inc 86% SB Southpoint Bank 85% Bo Bank of Walker County 83% RB River Bank & Trust 82% FS First Southern Bank 81% LB Liberty Bank 80% FC First Cahawba Bank 79%

5 of the 93 lend more than they hold in deposits, First Federal Bank A FSB the furthest at 126%; the median is 69%.

Nonperforming loans, share of loansAlabama banks, 30 June 2026 · listed highest first · the 25 highest of 93 · amber, in the catalogue
state median 0.48% FS First Southern Bank 10.86% BB BHM Bank 9.48% Bo Bank of Moundville 5.45% MF Merchants & Farmers Bank Greene 5.41% CN Commonwealth National Bank 4.31% FP First Progressive Bank 3.82% SB Southpoint Bank 3.54% FB First Bank of Alabama 3.40% nS 22nd State Banking Co. 3.39% BB Brantley Bank & Trust Co. 2.55% PE Peoples Exchange Bank 2.44% MC Marion Community Bank 2.30% HB Hometown Bank of Alabama 2.03% US Union State Bank 2.00% SB Southern Bank Co. 1.89% CB Citizens Bank 1.87% DB Dozier Bank 1.84% E Evabank 1.61% FF First Financial Bank 1.52% LB Local Bank 1.42% UB United Bank 1.35% TB Troy Bank & Trust Co. 1.35% FM Farmers & Merchants Bank 1.33% SW Sweet Water State Bank 1.30% CN Community Neighbor Bank 1.30%

First Southern Bank carries the most nonperforming loans at 10.86% of the book; 31 of the 93 are above 1%, and the median is 0.48%.

The allowance against nonperforming loansthe twenty widest gaps between the reserve and the trouble it covers, both as shares of loans · bold, in the catalogue
0.00%0.50%1.00%1.50%2.00%2.50%3.00%3.50%NPA / loansAllowance / loansBBank47+2.24%FMFarmers & Merchants Bank+2.18%FCFirst Community Bank of Central A…+1.76%BBanksouth+1.53%BoBank of Brewton+1.51%PBPinnacle Bank+1.46%FBFriend Bank+1.45%FBFirst Bank of Boaz+1.42%RBRobertson Banking Co.+1.38%SBSamson Banking Co. Inc+1.37%MBMidsouth Bank+1.35%FNFirst National Bank & Trust+1.31%CSCommunity Spirit Bank+1.29%NBNova Bank+1.27%SPSolutions Plus Bank+1.25%VSValley State Bank+1.24%EBExchange Bank of Alabama+1.22%FNFirst National Bank+1.22%BIBank Independent+1.17%PBPremier Bank of the South+1.13%

The distance between the two dots is the reserve's headroom over the loans already in trouble. 25 of the 93 hold an allowance smaller than their nonperforming loans.

Return on assetsAlabama banks, 30 June 2026 · listed highest first · the 25 highest of 93 · amber, in the catalogue
state median 1.08% E Evabank 2.55% FN First National Bank 2.46% FC First Community Bank of Central A… 2.41% CC CCB Community Bank 2.31% FS First State Bank of Dekalb County 2.25% RB Robertson Banking Co. 2.04% FC First Citizens Bank 1.98% FJ First Jackson Bank Inc 1.91% PB Peoples Bank of Alabama 1.90% SB Servisfirst Bank 1.88% CS Central State Bank 1.85% NT Noblebank & Trust 1.71% LB Liberty Bank 1.63% FB Friend Bank 1.63% SW Sweet Water State Bank 1.63% PI Peoples Independent Bank 1.61% BB Bryant Bank 1.58% FM First Metro Bank 1.58% NA North Alabama Bank 1.53% RB River Bank & Trust 1.47% Bo Bank of Walker County 1.46% RB Regions Bank 1.45% FS First Southern State Bank 1.41% MB Metro Bank 1.41% FN First National Bank of Hartford 1.38%

Evabank earns the most at 2.55% and Solutions Plus Bank the least at -4.67%; 14 of the 93 earn under 0.50%, and the median is 1.08%.

The efficiency ratio, with the return beside itAlabama banks, 30 June 2026 · cost as a share of revenue, lowest first; return on assets at the right · the 25 lowest of 93 · amber, in the catalogue
state median 65.8% SB Servisfirst Bank 29.6% ROA 1.88% FJ First Jackson Bank Inc 38.3% ROA 1.91% E Evabank 39.4% ROA 2.55% CB Commerceone Bank 43.9% ROA -0.16% FM First Metro Bank 44.7% ROA 1.58% FC First Citizens Bank 44.7% ROA 1.98% FS First State Bank of Dekalb County 44.9% ROA 2.25% FN First National Bank 46.4% ROA 2.46% RB River Bank & Trust 47.4% ROA 1.47% FC First Community Bank of Central A… 48.0% ROA 2.41% Bo Bank of Vernon 48.1% ROA 1.24% CS Central State Bank 49.3% ROA 1.85% MB Metro Bank 51.0% ROA 1.41% RB Robertson Banking Co. 52.4% ROA 2.04% CC CCB Community Bank 52.8% ROA 2.31% TB Troy Bank & Trust Co. 53.2% ROA 1.37% FS First Southern State Bank 53.3% ROA 1.41% CB Citizens Bank 53.5% ROA 1.09% BB Bryant Bank 54.2% ROA 1.58% VS Valley State Bank 54.5% ROA 1.28% SB Samson Banking Co. Inc 54.7% ROA 1.29% WA West Alabama Bank & Trust 54.9% ROA 1.27% FM Farmers & Merchants Bank 55.4% ROA 1.08% NT Noblebank & Trust 55.6% ROA 1.71% RB Regions Bank 56.2% ROA 1.45%

Servisfirst Bank runs the leanest at 29.6% of revenue in cost; 12 of the 93 spend more than 80 cents of every revenue dollar, and the median is 65.8%.

The fifteen largest, 30 June 2026navy: the stronger half of each column; amber: the weaker; darker at the ends; bold rows are in the catalogue
InstitutionAssetsLoans YoYCRE / loansLoans / depositsNPA / loansROAEquity / assets
Regions Bank$160B+2.6%10.9%76%0.93%1.45%11.2%
Servisfirst Bank$18.3B+9.3%46.1%99%1.18%1.88%10.9%
River Bank & Trust$4.0B+11.3%22.3%82%0.48%1.47%8.8%
CB & S Bank Inc$3.1B+14.0%39.2%66%1.15%0.66%6.1%
Bryant Bank$2.9B-2.8%43.9%57%0.07%1.58%9.4%
Bank Independent$2.9B+0.4%40.5%75%0.22%0.64%10.2%
Oakworth Capital Bank$2.1B+15.4%24.4%98%0.68%1.17%9.1%
Troy Bank & Trust Co.$1.6B+4.4%29.8%76%1.35%1.37%12.0%
United Bank$1.5B+5.5%30.2%77%1.35%1.28%14.9%
Peoples Bank of Alabama$1.4B+4.8%40.4%73%0.56%1.90%10.1%
First Bank of Alabama$1.4B+15.1%43.1%67%3.40%1.26%8.2%
Southpoint Bank$1.4B-26.1%35.6%85%3.54%-1.78%7.7%
Citizens Bank & Trust$1.2B+2.2%28.7%57%0.08%0.59%6.3%
Metro Bank$1.2B+1.9%55.1%59%1.18%1.41%14.4%
First U.S. Bank$1.1B-1.2%33.2%86%0.15%0.78%9.5%
Five years, 2021 to 2026the 91 institutions filing at both dates; dollars as growth, ratios in points
20212026Change
Loans, in total$114B$146B+28%
Deposits, in total$176B$191B+8%
NPA / loans, median0.44%0.51%+0.07 pts
Efficiency, median66.7%65.4%-1.2 pts
ROA, median1.03%1.09%+0.06 pts

Small-business lending

SBA 7(a) approvals into Alabama since FY2008, across every lender type

$3.8B of 7(a) credit has been approved into Alabama since FY2008 across 7,520 loans. Accommodation & food services is the largest category at 25.2%, Retail trade at 13.0%, Agriculture, forestry & fishing at 8.6%; the three together are 47% of the money. The heaviest losses fall in Wholesale trade, at 5.43% of approvals charged off.

7(a) lenders in the state, share of approvalssince FY2008, 277 lenders on record; SBA 7(a) release as of the 2026 file; loans credited to the institution holding them today; amber, in the catalogue
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 NB Newtek Bank, National Association 1.8% $70M · 189 loans Readycap Lending, LLC 1.8% $67M · 134 loans
What the state's 7(a) money financeseach industry's share of approvals since FY2008, the twelve largest
Accommodation & food services26.6%$957M · 1,208 loansRetail trade13.7%$492M · 1,121 loansAgriculture, forestry & fishing9.1%$326M · 329 loansManufacturing8.5%$304M · 456 loansHealth care & social assistance8.0%$287M · 575 loansOther services7.4%$266M · 659 loansProfessional & technical services6.5%$233M · 679 loansConstruction5.1%$182M · 669 loansWholesale trade4.1%$149M · 269 loansArts, entertainment & recreation4.0%$144M · 258 loansReal estate & leasing3.6%$130M · 182 loansAdministrative & waste services3.4%$121M · 429 loans
The industries, with what defaultsapprovals, loans and charged-off dollars by industry since FY2008; a loss rate is charged-off over approved dollars, on settled and unsettled cohorts alike
IndustryApprovedLoansShareCharged offLoss rate
Accommodation & food services$957M1,20825.2%$20M2.10%
Retail trade$492M1,12113.0%$14M2.89%
Agriculture, forestry & fishing$326M3298.6%$2M0.65%
Manufacturing$304M4568.0%$7M2.17%
Health care & social assistance$287M5757.6%$5M1.60%
Other services$266M6597.0%$8M3.16%
Professional & technical services$233M6796.1%$5M1.95%
Construction$182M6694.8%$8M4.60%
Wholesale trade$149M2693.9%$8M5.43%
Arts, entertainment & recreation$144M2583.8%$5M3.61%
Real estate & leasing$130M1823.4%$1M1.09%
Administrative & waste services$121M4293.2%$4M3.61%
The largest county marketsapprovals since FY2008 and how many lenders have written there
CountyApprovedLoansLenders
Jefferson$710M1,554128
Madison$303M836104
Shelby$287M54780
Mobile$280M71398
Baldwin$264M54784
Montgomery$255M38791
Lee$137M25461
De Kalb$107M14131
Tuscaloosa$102M24255
Houston$102M19442

Each institution in the catalogue has its own read, prepared for its board and management from the public record. The full pack on any Alabama institution, twenty sections from its own filing, is prepared on request.

Ask for a pack

Prepared 7 September 2026
Sources FFIEC Call Report and NCUA 5300 via the FDIC and NCUA; SBA 7(a) release
Cohort every institution filing in Alabama

Computed from each institution's own filing as published; medians are unweighted; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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