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Bank47
Huntsville, AL · FDIC Certificate #32968 · Chartered 05/1
Total assets
$96.96M
Total deposits
$87.66M
Total equity
$8.28M
Net loans
$63.57M
Branches (offices)
2
Net income (YTD)
-$1.93M
Rank: #3,699 of 4,213 U.S. banks by assets · #85 of 93 in Alabama. Assets changed 39.9% and deposits 45.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -4.32% |
| Return on equity | -47.10% |
| Net interest margin (YTD) | 3.00% |
| Equity to assets | 8.54% |
| Tier 1 leverage ratio | 12.97% |
| Uninsured deposits (share of deposits) | 24.8% |
| Noncurrent loans (share of loans) | 0.18% |
| Net charge-offs (share of loans) | -0.18% |
| Loans to deposits | 72.5% |
| Real estate loans (share of loans) | 66.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $42.19M | 66.4% | |
| Commercial & industrial | $13.85M | 21.8% | |
| Consumer / individual | $8.54M | 13.4% | |
| Construction & development | $3.32M | 5.2% | |
| Agricultural | $146.00K | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $45.28M | $45.00M | $623.00K | $239.00K |
| Jun 2023 | $45.26M | $45.36M | $98.00K | -$208.00K |
| Jun 2024 | $61.08M | $50.69M | -$899.00K | $10.02M |
| Jun 2025 | $69.28M | $60.46M | -$1.72M | $7.94M |
| Jun 2026 | $96.96M | $87.66M | -$1.93M | $8.28M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $87.66M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $87.66M.
Similar-sized banks
The First Central National Bank Of St. Paris ($96.97M) · The Citizens State Bank Of Cheney, Kansas ($96.67M)
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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