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

West Alabama Bank & Trust

Reform, Alabama · $929M in assets · beside the 11 other Alabama banks between $300M and $1B

The filing

10.5%
Equity / assets
2nd of 12
+1.4%
Loans, year over year
10th of 12, largest first
0.44%
NPA / loans
8th of 12

West Alabama Bank & Trust is the largest of the 12 Alabama banks nearest its size between $300M and $1B, with $929M in assets at 30 June 2026. Loans are 74.9% of deposits, 6th of 12 against a median of 77.0%, and equity is 10.5% of assets, 2nd of 12. Loans grew +1.4% in the year, 10th of 12, and deposits fell 1.9%; the cohort's median loan growth is +5.1%.

Noncurrent loans are 0.44% of the book, 8th of 12 against a median of 0.29%; 0.78% is 30 to 89 days past due, and the allowance covers them 2.7 times. Net charge-offs are 0.15% of loans, 8th of 12. Commercial real estate is 29.2% of loans, 6th of 12 against a median of 29.4%, and 151% of capital, below the 300% screen, with construction at 51% against the 100% screen.

Return on assets is 1.27%, 7th of 12 against a median of 1.34%, on an efficiency ratio of 54.9%, 6th of 12. Five years ago it was 0.68%. The question is which of these lines moves first over the next four quarters, and against which peer.

Equity as a share of assetsAL banks $300M to $1B · 30 June 2026 · higher is stronger, listed first
median 9.1% E Evabank 28.3% WA West Alabama Bank & Trust 10.5% TB Traditions Bank 10.2% CC CCB Community Bank 9.6% HB Hometown Bank of Alabama 9.5% MB Merit Bank 9.3% FS First Southern State Bank 9.0% FS First Southern Bank 8.8% PI Peoples Independent Bank 8.4% CS Central State Bank 8.4% MB Midsouth Bank 8.3% FC First Community Bank of Central Alabama 6.6%
Loans, year over yearAL banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +5.1% MB Merit Bank +27.7% FC First Community Bank of Central Alabama +13.2% CS Central State Bank +12.0% TB Traditions Bank +8.3% E Evabank +8.3% FS First Southern State Bank +5.5% HB Hometown Bank of Alabama +4.6% MB Midsouth Bank +3.2% CC CCB Community Bank +2.3% WA West Alabama Bank & Trust +1.4% PI Peoples Independent Bank -1.2% FS First Southern Bank -11.4%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 6 CBLR filers, West Alabama among them; owner-occupied excluded; bold marks a screen met
West AlabamaRankCohort median
Total CRE against capital, the 300% screen151%5th of 12177%
Construction against capital, the 100% screen51%5th of 1253%
Construction and land development, share of loans9.8%5th of 1210.2%
Non-owner-occupied nonfarm nonresidential, share of loans11.8%6th of 1212.4%
Total CRE, the guidance definition, share of loans29.2%6th of 1229.4%
CRE growth over 36 months, the third prong+13.4%3rd of 12+28.2%
Commercial real estate against capital, the 300% screenAL banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 177% HB Hometown Bank of Alabama 53% TB Traditions Bank 97% E Evabank 116% FS First Southern State Bank 144% WA West Alabama Bank & Trust 151% FS First Southern Bank 171% PI Peoples Independent Bank 182% MB Merit Bank 207% FC First Community Bank of Central Alabama 207% CS Central State Bank 233% CC CCB Community Bank 233% MB Midsouth Bank 258%
CRE growth over 36 months, the guidance's third prongAL banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median +28.2% FS First Southern State Bank +3.8% FS First Southern Bank +8.7% WA West Alabama Bank & Trust +13.4% HB Hometown Bank of Alabama +13.6% PI Peoples Independent Bank +16.0% CC CCB Community Bank +17.9% E Evabank +38.5% MB Merit Bank +40.0% TB Traditions Bank +52.5% FC First Community Bank of Central Alabama +52.6% CS Central State Bank +59.2% MB Midsouth Bank +69.5%

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
West Alabama Bank & Trust$929M1.3%54.9%0.44%0.15%1.2%74.9%10.5%
First Southern State Bank$893M1.4%53.3%0.25%0.11%1.2%62.1%9.0%
Traditions Bank$891M1.1%68.1%0.80%0.60%1.3%95.9%10.2%
Central State Bank$891M1.9%49.3%0.16%0.22%1.1%68.7%8.4%
Midsouth Bank$771M0.8%76.3%0.28%0.01%1.6%63.6%8.3%
First Community Bank of Central Alabama$694M2.4%48.0%0.10%0.02%1.9%79.2%6.6%
First Southern Bank$679M-2.6%67.8%10.86%4.74%2.7%80.9%8.8%
CCB Community Bank$662M2.3%52.8%0.19%0.01%1.2%86.1%9.6%
Hometown Bank of Alabama$661M0.9%71.6%2.03%0.01%1.1%71.4%9.5%
Merit Bank$582M1.0%59.1%0.00%0.12%1.0%89.6%9.3%
Evabank$491M2.5%39.4%1.61%0.39%2.3%116.8%28.3%
Peoples Independent Bank$486M1.6%57.4%0.30%0.04%0.9%43.0%8.4%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
West AlabamaCohort median
20212026Change20212026Change
Loans$387M$604M+56%$286M$484M+69%
Deposits$665M$806M+21%$454M$615M+36%
NPA / loans0.35%0.44%+0.10 pts0.25%0.29%+0.04 pts
Efficiency63.3%54.9%-8.4 pts58.2%56.1%-2.1 pts
ROA0.68%1.27%+0.59 pts1.43%1.34%-0.09 pts

This read was prepared for West Alabama Bank & Trust'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 West Alabama Bank & Trust 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 $300M to $1B
Institution www.wabt.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. 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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