🏦Bank Scorer

NORTH ALABAMA BANK

HAZEL GREEN, AL · Supervised by FDIC

Est. 1989FDIC #27,560RSSD: FDIC-27560
Part ofBOLC CORP→ View all charters
Satisfactory Same

Current rating · Exam: May 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.51%

Institution Profile

FDIC BankFind

Address

13914 Highway 231 431 N, HAZEL GREEN, AL

County

Madison County

Established

August 14, 1989

Total Assets

$176M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 1, 2022

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:May 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$176M

Total Deposits

$154M

Net Loans

$136M

Net Income

$664K

ROA

1.51%

ROE

13.67%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate4.55%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$155M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20244490.91%4.55%
20235479.63%16.67%
20197371.23%6.85%
20185585.45%7.27%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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