West Alabama Bank & Trust: how it compares with its peers
Against 22 AL banks with half to twice its assets, West Alabama Bank & Trust's strongest measure in Q2 2026 is efficiency ratio (54.87% vs. a 60.07% peer median). Its weakest relative measure is assets per employee ($5.8M vs. $7.4M).
| Measure | West Alabama Bank & Trust | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.28% | 1.31% | Middle third Ahead of 45% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.59% | 3.76% | Middle third Ahead of 36% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 54.87% | 60.07% | Middle third Ahead of 59% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.8M | $7.4M | Bottom third Ahead of 18% of peers |
| Loans to deposits Net loans and leases over total deposits. | 74.00% | 71.15% | Context |
What it means for lending operations
Its efficiency ratio of 54.87% is better than the 60.07% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First Southern State Bank Stevenson, AL · $893M
- Traditions Bank Cullman, AL · $891M
- Central State Bank Calera, AL · $891M
- First Metro Bank Muscle Shoals, AL · $1.01B
- CommerceOne Bank Birmingham, AL · $1.06B
- AuburnBank Auburn, AL · $1.09B
Questions about West Alabama Bank & Trust
How big is West Alabama Bank & Trust?
West Alabama Bank & Trust, established in 1944, is headquartered in Reform, AL. It reported $929M in total assets in its Q2 2026 FDIC call report and operates 16 offices.
What is West Alabama Bank & Trust's return on assets?
1.28% annualized in Q2 2026, against a 1.31% median for 22 AL banks with half to twice its assets, ahead of 45% of them.
What is West Alabama Bank & Trust's efficiency ratio?
54.87% in Q2 2026: it spent about 55 cents in noninterest expense for each dollar of revenue. The peer median is 60.07%, and lower is better.
Is West Alabama Bank & Trust growing its loans?
Net loans grew 1.4% over the year to Q2 2026, while deposits shrank 1.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are AL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Alabama bank ranked.