WEST ALABAMA CAPITAL CORP is the bank holding company. WEST ALABAMA BANK & TRUST is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

FHD

WEST ALABAMA CAPITAL CORP

Legal name: WEST ALABAMA CAPITAL CORP.

1 active bank · $928M combined assets

RSSD ID: 1085255 (FFIEC NIC)

Combined Assets

$928M

CRA Rating Summary

Satisfactory1charter

Across all 13 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankWEST ALABAMA BANK & TRUSTREFORM, ALSatisfactory$928MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$928M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$808M

Net Income

$3M

ROA (avg)

1.28%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

141

Origination Rate

82.98%

Denial Rate

8.51%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
WEST ALABAMA BANK & TRUST	REFORM, AL	FDIC	$928M	100.0%	Satisfactory	Feb 2026

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.