Total Assets
$929.0M
Total Deposits
$806.4M
Branches
16
Established
1944
West Alabama Bank & Trust is a bank headquartered in Reform, Alabama, established in 1944. It holds $929.0M in total assets across 16 branch locations. In our editorial opinion, based on public FDIC/NCUA data, West Alabama Bank & Trust earns a TFS Financial Health Grade of B+ (83.9/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
83.9 / 100
Good financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| West Alabama Bank & TrustHQ | 509 1st Ave W | Reform | AL | 11 |
| West Alabama Bank & Trust | 713 Memorial Pkwy Nw | Aliceville | AL | 23 |
| West Alabama Bank & Trust | 4 3rd Ave Nw | Aliceville | AL | 11 |
| West Alabama Bank & Trust | 200 Office Park Dr | Birmingham | AL | 11 |
| West Alabama Bank & Trust | 119 W Pushmataha St | Butler | AL | 11 |
| West Alabama Bank & Trust | 86 Court Sq | Carrollton | AL | 11 |
| West Alabama Bank & Trust | 507 Main Street | Ethelsville | AL | 11 |
| West Alabama Bank & Trust | 9879 State Highway 104 | Fairhope | AL | 11 |
| West Alabama Bank & Trust | 305 2nd St Ne | Fayette | AL | 11 |
| West Alabama Bank & Trust | 245 Main St S | Gordo | AL | 11 |
| West Alabama Bank & Trust | 27 Courthouse Square | Livingston | AL | 11 |
| West Alabama Bank & Trust | 1014 Washington St | Marion | AL | 11 |
| West Alabama Bank & Trust | 30330 Highway 17 | Millport | AL | 11 |
| West Alabama Bank & Trust | 31 Mcfarland Blvd | Northport | AL | 11 |
| West Alabama Bank & Trust | 7680 Highway 69 S | Tuscaloosa | AL | 11 |
| West Alabama Bank & Trust | 28827 Highway 5 | Woodstock | AL | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
83.9
Tier 1 capital ratio
12.22%
Return on assets
1.28%
Non-performing loans
0.44%
Efficiency ratio
54.87%
Asset growth (YoY)
-1.86%
Suggested direct comparisons
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.