Bank of Walker County: how it compares with its peers
Against 25 AL banks with half to twice its assets, Bank of Walker County's strongest measure in Q2 2026 is return on assets (1.49% vs. a 0.99% peer median). Its weakest relative measure is assets per employee ($4.9M vs. $4.7M).
| Measure | Bank of Walker County | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.49% | 0.99% | Top third Ahead of 92% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.31% | 3.74% | Top third Ahead of 88% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 69.88% | 72.18% | Middle third Ahead of 60% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.9M | $4.7M | Middle third Ahead of 52% of peers |
| Loans to deposits Net loans and leases over total deposits. | 82.29% | 58.91% | Context |
What it means for lending operations
Its efficiency ratio of 69.88% is better than the 72.18% 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
- Peoples Exchange Bank Monroeville, AL · $99M
- The Farmers & Merchants Bank Waterloo, AL · $98M
- Bank47 Huntsville, AL · $97M
- Nova Bank Huntsville, AL · $91M
- Local Bank Tuscaloosa, AL · $111M
- The Commercial Bank Of Ozark Ozark, AL · $115M
Questions about Bank of Walker County
How big is Bank of Walker County?
Bank of Walker County, established in 2004, is headquartered in Jasper, AL. It reported $99M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Bank of Walker County's return on assets?
1.49% annualized in Q2 2026, against a 0.99% median for 25 AL banks with half to twice its assets, ahead of 92% of them.
What is Bank of Walker County's efficiency ratio?
69.88% in Q2 2026: it spent about 70 cents in noninterest expense for each dollar of revenue. The peer median is 72.18%, and lower is better.
Is Bank of Walker County growing its loans?
Net loans shrank 0.6% over the year to Q2 2026, while deposits grew 0.2%.
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.