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22Nd State Banking Company
Mobile, AL · FDIC Certificate #16910 · Chartered 01/0
Total assets
$292.18M
Total deposits
$241.93M
Total equity
$33.66M
Net loans
$212.69M
Branches (offices)
4
Net income (YTD)
$712.00K
Rank: #2,511 of 4,213 U.S. banks by assets · #51 of 93 in Alabama. Assets changed 11.2% and deposits 10.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.51% |
| Return on equity | 4.07% |
| Net interest margin (YTD) | 6.81% |
| Equity to assets | 11.52% |
| Tier 1 leverage ratio | 11.12% |
| Uninsured deposits (share of deposits) | 30.4% |
| Noncurrent loans (share of loans) | 3.39% |
| Net charge-offs (share of loans) | 4.31% |
| Loans to deposits | 87.9% |
| Real estate loans (share of loans) | 41.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $88.36M | 41.5% | |
| Commercial & industrial | $114.39M | 53.8% | |
| Consumer / individual | $13.09M | 6.2% | |
| Construction & development | $11.43M | 5.4% | |
| Agricultural | $1.57M | 0.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $198.90M | $175.26M | $408.00K | $21.41M |
| Jun 2023 | $225.52M | $175.43M | $807.00K | $25.82M |
| Jun 2024 | $252.59M | $215.46M | $320.00K | $27.55M |
| Jun 2025 | $262.69M | $219.83M | $5.80M | $35.87M |
| Jun 2026 | $292.18M | $241.93M | $712.00K | $33.66M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $241.93M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $241.93M.
Similar-sized banks
Charter Bank ($292.35M) · Huron Valley State Bank ($291.91M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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