$272M
−17.1%y/y
Percentile by value89th percentileby value
FDIC
ASSET2S
22nd State Banking Company
Mobile, AlabamaFDIC Cert #16910
STATEEstablished 19174 branches
Holding company: FEB BANCSHARES INCRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call Report22nd State Banking Company reported $272M in total assets. Deposits declined 22.56% over the prior year.
Return on assets was 0.31%, compared with an asset-peer median of 1.18%. The leverage ratio was 12.73%.
- Why is Noncurrent Loan Ratio above asset peers?
- Why is Total Assets above asset peers?
- Why is Efficiency Ratio above asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$224M
−22.6%y/y
Percentile by value86th percentileby value
FDIC
DEP$214M
−13.2%y/y
Percentile by value96th percentileby value
FDIC
LNLSNET0.31%
−108 bpsy/y
Peer standing9th percentile
FDIC
NETINC + ROA95.79%
+2,191 bpsy/y
Peer standing5th percentile
FDIC
NONIX + NIM + NONII + EEFFR12.73%
+335 bpsy/y
Peer standing69th percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,247 banks from $100 million to $300 million.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $200M | $169M |
| Q3 2021 | $201M | $174M |
| Q4 2021 | $202M | $175M |
| Q1 2022 | $204M | $179M |
| Q2 2022 | $199M | $175M |
| Q3 2022 | $207M | $176M |
| Q4 2022 | $225M | $178M |
| Q1 2023 | $224M | $174M |
| Q2 2023 | $226M | $175M |
| Q3 2023 | $254M | $203M |
| Q4 2023 | $244M | $203M |
| Q1 2024 | $256M | $220M |
| Q2 2024 | $253M | $215M |
| Q3 2024 | $309M | $273M |
| Q4 2024 | $332M | $293M |
| Q1 2025 | $328M | $289M |
| Q2 2025 | $263M | $220M |
| Q3 2025 | $280M | $232M |
| Q4 2025 | $273M | $223M |
| Q1 2026 | $272M | $224M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $22.2M |
| Investor CRE | $11.7M |
| Multifamily | $9.02M |
| Construction | $4.59M |
| 1–4 family | $46.3M |
| C&I | $108M |
| Agriculture | $4.72M |
| Other | $13.7M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.31%9th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.33%Median 1.18%90th 2.13%Observations 1,247
ROE
FDIC
NETINC + ROE2.37%9th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 2.85%Median 11.08%90th 20.43%Observations 1,247
NIM
FDIC
NIM + NIMY6.56%99th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.92%Median 3.89%90th 4.91%Observations 1,247
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR95.79%5th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 47.24%Median 64.46%90th 87.12%Observations 1,247
Deposits YoY
FDIC
DEP−22.56%0th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.02%Median +3.60%90th +14.76%Observations 1,238
Loans YoY
FDIC
LNLSNET−13.24%1st percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.89%Median +5.09%90th +18.61%Observations 1,230
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR5.24%2nd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.39%90th 2.38%Observations 1,231
Leverage
FDIC
RBC1AAJ12.73%69th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.82%Median 11.12%90th 16.44%Observations 1,247
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.41%9th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.42%Median 2.26%90th 3.32%Observations 1,237
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC67%39th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 13%Median 92%90th 236%Observations 588
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.31%10th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.33%Median 1.08%90th 1.86%Observations 93
ROE
FDIC
NETINC + ROE2.37%11th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 1.89%Median 10.62%90th 18.52%Observations 93
NIM
FDIC
NIM + NIMY6.56%99th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.07%Median 3.78%90th 4.94%Observations 93
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR95.79%5th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 48.88%Median 64.51%90th 85.35%Observations 93
Deposits YoY
FDIC
DEP−22.56%0th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.86%Median +3.54%90th +12.74%Observations 92
Loans YoY
FDIC
LNLSNET−13.24%3rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −4.14%Median +5.14%90th +17.34%Observations 92
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR5.24%2nd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.02%Median 0.52%90th 2.83%Observations 93
Leverage
FDIC
RBC1AAJ12.73%63rd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.15%Median 11.18%90th 18.53%Observations 93
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.41%5th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.35%90th 3.19%Observations 93
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC67%25th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 40%Median 160%90th 273%Observations 37
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.31%3rd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.05%90th 1.52%Observations 32
ROE
FDIC
NETINC + ROE2.37%3rd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.37%Median 10.27%90th 15.80%Observations 32
NIM
FDIC
NIM + NIMY6.56%97th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.77%Median 3.83%90th 5.35%Observations 32
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR95.79%3rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 58.78%Median 68.02%90th 88.66%Observations 32
Deposits YoY
FDIC
DEP−22.56%0th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.00%Median +2.80%90th +13.03%Observations 32
Loans YoY
FDIC
LNLSNET−13.24%0th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.40%Median +6.20%90th +19.25%Observations 32
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR5.24%0th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.02%Median 0.64%90th 3.08%Observations 32
Leverage
FDIC
RBC1AAJ12.73%65th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.02%Median 11.39%90th 17.36%Observations 32
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.41%10th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.55%Median 2.27%90th 3.38%Observations 32
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC67%43rd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 21%Median 77%90th 221%Observations 8
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 4 branches
- Headquarters
- Mobile, AL
FDIC
OFFDOMOpen the Alabama dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data