# BRYANT BANK
TUSCALOOSA, AL · FDIC certificate 57997 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 (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 | $2.94B | |
| Deposits | $2.34B | |
| Loans and leases | $1.34B | |
| Total equity | $276.3M | |
| Loans / deposits | 56.52% (p6 of band) | 87.10% |
| Liquid assets / assets | 51.16% (p95 of band) | |
| Uninsured deposits / deposits | 57.57% (p95 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 10.07% (p65 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.53% (p23 of band) | 10.50% |
| Unrealized securities loss / equity | -2.39% (p77 of band) | -7.75% |
| AOCI / equity | -0.78% (p24 of band) | |
| ROA (annualized) | 1.59% (p73 of band) | 1.26% |
| Net interest margin | 3.49% (p36 of band) | 3.70% |
| Efficiency ratio | 54.18% (p36 of band) | |
| Noncurrent loans | 0.07% (p11 of band) | 0.51% |
| Net charge-offs (annualized) | -0.01% (p6 of band) | |
| Reserve coverage of noncurrent | 1583.68% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 74.45% (p75 of band) | |
| Auto loans | $127,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $10.1M (4% of equity) (p81 of band) | |
| Deposits YoY | 8.9% | |
| Employees | 293 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 1 | reserve under noncurrent | capital falling |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | uninsured deposits >50% |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | capital falling |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | capital falling |  |
| 2018-06 | 1 |  | capital falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | NIM <2.5% |  |
| 2021-06 | 2 |  | capital falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 | reserve under noncurrent | NIM <2.5% |
| 2022-12 | 1 |  | reserve under noncurrent |
| 2023-03 | 3 | deposits shrinking, assets shrinking |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 1 | uninsured deposits leaving | uninsured deposits >50%, deposits shrinking, assets shrinking |
| 2023-12 | 3 | deposits shrinking, assets shrinking |  |
| 2024-03 | 1 | uninsured deposits >50% | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | capital falling |  |
| 2025-06 | 1 |  | capital falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | capital falling |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

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

- 2026-08-18 [Bryant Bank names new president - businessalabama.com](https://news.google.com/rss/articles/CBMibEFVX3lxTE8wY3BvdjVCNGtHX01kczNlRDVJUW9Rdm5JZlNFZUlrRkg4c3FqRktoTHJMeVRmZV9oc3FySnAxUzZIWE41RmhsQ21FV3FKQmRhLWJ0NnN5UTk5SVpCTWVwWWIxWXJlOHFPbFI5bw?oc=5) · businessalabama.com
- 2026-08-25 [Mike Mitchell to lead Bryant Bank as president - The Tuscaloosa News](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQWVpGenhzVkdwUTJaSWVJWW51U0VjZHVtbGZzTGRQanpoa1ExTjcyNUdyY2FXbW1aWVNiYnZwak9NYS03N0Y2UGlsLVlMZUsyY2lSMFFPd3hwemxWY0dVX0txM3JCVHZqTHpMcjhLSFhGeTc5Y3hjSDNkdGJXVUpIM1huNWZUYlJPSUlCUDYxdHo1Rk9UT3RBamRDWjdqa3dIOHBKVndTMnloeTR0ZF9raEd0WmNxVU9hQnZB?oc=5) · The Tuscaloosa News
- 2026-08-18 [Bryant Bank names new president - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQR0daM21pNThtZjk3UVlDbkJjWnpzMVc1cHNTa0c5OGxyd2RUQjFJLWt2TURxendzWmoyYkc2VlZIMHhRNFI5VS15WnBiLV9yZ2tRSV9fcXBJeFVUVW5FSVJkenl5bHVQYUJVTGo0TGJaR3pLU0NoQ0UzaHlRZEx1NV9vQzRkaU1TcUN6aG9YcVlEcjJjdThjakN3d1RlVUlZU2tlQmJodk8?oc=5) · The Business Journals
- 2026-08-19 [Alabama-based bank picks new leader, replacing founding president - AL.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPX2pzSlNjY2tyY2lQdnAwRFpVUGtfVnVVdFpiVGV5bXM3QWRrTXpXWF85NG1tb0Njb2FqcmRacTAtZmxOV0l2TlU3UXI4UnRvX0xGd2ptT254Ul9kV3B5RGxfdzRRM3pxaVlpRExlNG5YZHdEa3VfWGVBc2tJNUZ1a0d2R3h6c1loWGJlMExRTGg1YjQyMW15M3VabVlkVWx1aW1RNkM5V2Q?oc=5) · AL.com
- 2026-07-06 [New Homewood Office of Bryant Bank to Celebrate Grand Opening on Friday - The Birmingham Times](https://news.google.com/rss/articles/CBMisgFBVV95cUxQTXYzSldwOFloS1Q3bVMxTXg5cFROd29DZ19lRV9tSVFsckpzck5wdHRxbTdFelVsaXhJSExTcFpKajZVTDRPQ25KNUx2eWdKSmJQa2lEa1MxUzJ4VlJCUU9ZZkVVVnVJMi04U09oTzh5YkRWVmQtdUVqem1fVUtFS3VfRGdETklmejdQT211Zmw5QUdKNldkc0lZMjZRZjA3TXRNcjBYclVlV20wbWpZbWFB?oc=5) · The Birmingham Times
- 2026-07-31 [The Alabama bank growing along with Homewood—new location now open - Bham Now](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBlaHdEWG5QcENLc2QyR21OejhoS3pYdWwxVGI1SjFjQlREMDcxYkp0eGg3N2V1aWplbVh1UjNfYVhyMVl6a0E0YXJXb3paeGRIZVFlNlNxVEdUbkVwNmE4UmlwWVNmYlk?oc=5) · Bham Now
- 2026-06-11 [Bryant Bank Investment Helps UAH Prepare North Alabama’s Next Generation Of Nurses - Huntsville Business Journal](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQS2dFU2tMOTRjVl9ub3lmVHhob1ZNNVl6S3ZCTmRXeW14dVpaSm1KbVpOREk3UWNYbzNwOTQxbUYxVzQ2MzVIOW8xOU1PVmM2djZhalcwT3hNZkl4Mk1ic3ZkYVJOdlEzbGhoNW9BYjI1YkotQnZSMEhoZ2FEWl9mSnZ2Qzg2OHBDZzBpaUZqSVFjN0x6ektqdWREaHRGVFFRU3RUeDdkY0ZFTms5d2djSzlVbEYxVXVQTzRHQ1YxM1ItU2JGTUd3UHF2RmpOUFVqZ2c?oc=5) · Huntsville Business Journal
- 2026-08-19 [Bryant Bank Announces Leadership Changes, Names Mike Mitchell President - Patch](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOY3o3MG1ZM2tRVHcxTGZ0WmFTb2FyYjFhaGt6bk42Smgyamo5MnVGR3ZPQXhudVRLNmtYX0lEa0hKMHFMRnkwMU10RG9RX3NlWXdEaml0R1lraFJ1bWlZbFM4SEd3OEp5RC1qeDlPdUh4YmZBZVBaeWtEcU1tNHV1Z2Z6eVQ4clNQNHNqeURRUjFidUkwZzlYcWpmendoMmloMHZRcVM2S3M1MWM?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57997 (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/13.json (key "57997", 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