# NORTH ALABAMA BANK
HAZEL GREEN, AL · FDIC certificate 27560 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $178.6M | |
| Deposits | $156.0M | |
| Loans and leases | $139.4M | |
| Total equity | $20.4M | |
| Loans / deposits | 88.41% (p77 of band) | 73.59% |
| Liquid assets / assets | 15.18% (p12 of band) | |
| Uninsured deposits / deposits | 16.13% (p35 of band) | 19.81% |
| Brokered deposits | 3.92% | |
| Wholesale funding | 3.92% (p68 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.73% (p50 of band) | 11.76% |
| Unrealized securities loss / equity | -6.56% (p50 of band) | -6.57% |
| AOCI / equity | -0.37% (p50 of band) | |
| ROA (annualized) | 1.53% (p69 of band) | 1.17% |
| Net interest margin | 5.56% (p96 of band) | 3.93% |
| Efficiency ratio | 61.54% (p39 of band) | |
| Noncurrent loans | 0.15% (p38 of band) | 0.36% |
| Net charge-offs (annualized) | 0.04% (p79 of band) | |
| Reserve coverage of noncurrent | 729.06% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 84.26% (p91 of band) | |
| Auto loans | $1.6M (1.12% of loans; DQ 0.00%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.4% | |
| Employees | 42 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 |  | charge-offs p90 |
| 2011-09 | 3 | noncurrent p90 |  |
| 2011-12 | 4 | leverage <7%, losing money, charge-offs p90 | reserve under noncurrent, noncurrent p90 |
| 2012-03 | 4 | deposits shrinking, assets shrinking | losing money, charge-offs p90 |
| 2012-06 | 3 | reserve under noncurrent | deposits shrinking, assets shrinking |
| 2012-09 | 5 | assets shrinking, uninsured deposits leaving |  |
| 2012-12 | 4 |  | assets shrinking |
| 2013-03 | 6 | expense ratio p90, deposits shrinking, assets shrinking | leverage <7% |
| 2013-06 | 5 |  | expense ratio p90 |
| 2013-09 | 4 |  | uninsured deposits leaving |
| 2013-12 | 3 |  | reserve under noncurrent |
| 2014-03 | 3 |  |  |
| 2014-06 | 2 | charge-offs p90 | deposits shrinking, assets shrinking |
| 2014-09 | 2 |  |  |
| 2014-12 | 3 | deposits shrinking, assets shrinking | charge-offs p90 |
| 2015-03 | 4 | charge-offs p90 |  |
| 2015-06 | 4 | reserve under noncurrent | assets shrinking |
| 2015-09 | 5 | losing money, expense ratio p90 | reserve under noncurrent |
| 2015-12 | 1 |  | deposits shrinking, charge-offs p90, losing money, expense ratio p90 |
| 2016-03 | 2 | reserve under noncurrent |  |
| 2016-06 | 1 |  | reserve under noncurrent |
| 2016-09 | 2 | reserve under noncurrent |  |
| 2016-12 | 1 |  | reserve under noncurrent |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 4 | NIM <2.5% |  |
| 2018-09 | 3 |  | NIM <2.5% |
| 2018-12 | 1 |  | noncurrent p90, reserve under noncurrent |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | capital falling |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | construction >100% equity |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 | construction >100% equity | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | capital falling |  |
| 2022-06 | 1 |  | capital falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | capital falling |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | capital falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | uninsured deposits leaving |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 |  | construction >100% equity |
| 2026-03 | 0 |  | uninsured deposits leaving |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2022-03-10 [North Alabama’s Bank Independent Announces City President Of Huntsville - Huntsville Business Journal](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOcFd4a0ZGZ013YWxlWmM0MnBqSGtBSm9VNml4ZTR3U0kyRTZENmhzLUdxdFVrbldENEt0LXp5a3JuVU5uQ09sZ19XUTRwY3RVdkxEeDVDLU1HNjRHSTNOM1RTSDlwYVZSeTk4TFgyRUQ2WTRrYnlnUTVkVS1sUVNnMVRxRFN3d1hFaWNlYkZWN1MxR3E1VWEwZ1NmVEszb3dIQ0RNX0pKaTNKN3dnWHVFSFdmYjRPWC1qQko1bGg5ZmhrS0U?oc=5) · Huntsville Business Journal
- 2021-12-02 [FBI asks for help in solving North Alabama bank robberies - Local 3 News](https://news.google.com/rss/articles/CBMi8gFBVV95cUxQRUpCdWViTW85R3hQbThCc0Z5ODRwVENZcG9vTUFCWjJfQkN0OTdYczJUX1Q3WW15SU5vU1B3aGJ6TXB4ZDVDMWhtQVZrbkRWNDFzYV9ub1NYY1czLUpwcG5TRF9oZDlxS21wS2MyWTJjSS1WdTlwZFUxUzZhcm1QNW9NYXdQMWhzdW8tTldCdW9sNlVzbEh6WFpGTU9OR2MtaGZmZllEdUdaX09CVi1iTTdyVEk5aXJHSVBLSkZua2dEZldNYnZrTlNKMi1NQ0I5STNFbzdXV3M4ZHVDbm5ITFBfeDRQeHpPMHZQd0M4NmlhUQ?oc=5) · Local 3 News
- 2024-11-15 [University of North Alabama receives bid of under $50 million for new stadium construction - AL.com](https://news.google.com/rss/articles/CBMixwFBVV95cUxQdlk4QjJoZnhub1Z4cWhKMGl0M0tXLWNrendQMi15UkhTSDZtM1hwb0VzTDBocDVGZFpZZlRkRUJ4c1F5SU0xRFNHa3BRZDlxVDBfUUVmZWctYmdub2V6Y2RoQ0FSZjQzUWZ0czNielloNEQtYUl2WHlidG9sWjJlZm43R0tOeHdaWHBsZm1FeWlrWVItZGxIWFpydWYtZkNtalBSZDhPT1JPNE9zaDlRT2E4cDhMQnY4WE91VWx4S2tYaEN3OGtJ?oc=5) · AL.com
- 2023-09-18 [First Horizon's new Alabama market leader talks plans for metro - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOQms3M3d6UEpkZGVGMWdRVzAwT3NFR1RZSU1KLVlmV1RVelV3a21wSlJzTlo2cWE1M1FWUUtWUDlGcHdvTUljMGJrUTctQjRpMWFTSzZMbVB1bnlMdlgzVVh6MHd6MU5ubXRycTZjVFhjMmx2SVVDT3ViM2VoUFhjNmliZkRrQ2pwblQ2VnRHaVBRYnFNQjJRVm9Ia05LT3dKblFzcXV4RDc?oc=5) · The Business Journals
- 2022-06-07 [North Alabama's Bank Independent Promotes Williams, Kline, Mangum And Sledge - Huntsville Business Journal](https://news.google.com/rss/articles/CBMixwFBVV95cUxONmFyenBpNmh5RThBdERlUWs2UTh2R3ZKQzctNEcxdENDYlpkanZPN29wNG1HTTM1cVV5SldkRjlzRmhlaHR0TE9fNjRMc01xTlBHTjFHbDNuanM1T2o2NXBDR1RUOWZveTdTd1dRaVdSN0J0cng2RHBvdW5feDBRbFQ4ekdDTHFiUzFpemxXQV9oYVl1dmozSDJqUHVQWTJObTMyWktjb1YzdEVtb2FlZnh2NFRGMHB2OGNNZEo0dDZSVHF6TWxn?oc=5) · Huntsville Business Journal
- 2008-10-02 [Valley man sent to prison for robbing a bank - WAFF](https://news.google.com/rss/articles/CBMihwFBVV95cUxObHBmbFRGTVNPSm5EYUFTeGpxOERqUE1fazVudFg4Y2dDMHozTVBrczdiR200RUVlVFV5YmRGS1NfRTFRRFRhSm4xMVNSMUR5VTExUmc4Y3ZqLUdZeTl0VHZpQ3RwYlhVeE4zbnVaMGVLNkNOd05DbHh1cWlFM2JzQ1pad2RwNHPSAZoBQVVfeXFMT0pMWGhPdkFibVA1MmlfNWFncEdUdVpWdUhEQWQ2LVhScVZSYW13M3J5dHVOV1dVWldRMjB0NWdCRWFoaHlHTHVkY25YYm5BM3hCOFlZRkJxYVRVTUJFa0t1a3hhb1p0LUxwLU5hbzhfeGpiUFl3czFuVU5JZ2xRaEpKV2wxRFJUeVZjSXRYaUt6b0NlSXU3eWx4dw?oc=5) · WAFF
- 2024-06-14 [North Alabama breaks ground on new on-campus stadium - AL.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxNR2NoaEZOWGREQ0lnLW5lR2llcGcxMVZodWJCRFc1YzJfZ2g3VXVPQ2V1VkVsNVkyRmljak9ndE1ZZ0o5Sml2YXczWDJ1RXpMaEtTVm12MUVnTTJjTFEyamJsMk0xTWQyem13S1lUaXFjX3VqMEtQMVJSMHlMc1VWR01Rc2dIaXJtZk1TOHk1S21VMDdhS2c?oc=5) · AL.com
- 2026-05-14 [Bank Independent Hosts Grand Opening For New Muscle Shoals Team Campus - Huntsville Business Journal](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNdTVDb1VER3B6b1RDSkI3UW5ESHo1UFM0N3k3eUdubHlvWFpCTVNYX2RFN2IxMWdJYS1BcHBXdjI1QzhvMnpHcnZ3dmllVnJ1Xy1XajJOM09NcmY0azdJbmk1T2pNYktrUXFfTmR0UG5zZk5yWUM2bjUxX3VUeTBOY1dGSkxyenJVNllCZlVvZlBSUEUwVjc2cTJkbFZfVTcxU18temRzZ1ZDT0swdll2S0dKWTkteVcyRkRhdFNCemZaSTA?oc=5) · Huntsville Business Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27560 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/40.json (key "27560", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide