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 West Alabama Bank & Trust
West Alabama Bank & Trust
| RSSD ID 501132 | CERTIFICATE 16175 | ABA NUMBER 62205704 |
| 509 1st Ave W |
Quarter Ended : |
2025-12-31 |
| Reform, Alabama, 35481 |
Updated : |
2026-02-06 |
| www.wabt.com |
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| Institution Profile |
| Year Opened : |
1944 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
Yes |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
16 |
Number of Employees : |
158 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 1,001,455 |
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Total Interest Income | 49,423 |
| Total Liabilities | 907,852 |
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Total NonInterest Income | 6,952 |
| Total Bank Equity Capital | 93,603 |
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Total Interest Expense | 19,316 |
| Total Deposits | 885,448 |
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Total NonInterest Expense | 21,620 |
| Net Loans & Leases | 571,703 |
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Net Income | 10,642 |
| Loan Loss Allowance | 7,147 |
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Net Charge Offs | 805 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 582,055 |
| Total assets for the leverage ratio | 977,654 |
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Loans secured by real estate: | 500,498 |
| Tier 1 Leverage Ratio | 11.44 |
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Commercial and industrial loans | 55,699 |
| Off Balance Sheet Exposures (%) | 0.03 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 10,689 |
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:· West Alabama Bank & Trust
