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Overview / Commentary
607 Hwy 78 East
Jasper, AL 35501

Bank of Walker County is headquartered in Jasper and is the 115st largest bank in the state of Alabama. It is also the 5,305th largest bank in the nation. It was established in 2004 and as of June of 2014, it had grown to 20 employees at 1 location. Bank of Walker County has a B+ health rating.

Reviews (1)

Bank Of Walker County Is A Very Flexible And Helpful Bank.

Bank of Walker County is a very flexible and helpful bank. I discovered this recently when my employer wanted to close a retirement account they for me and my fellow employees. All of us had vested interest in this account but it had to be closed. Walker County Bank sent a representative to talk with us in a meeting and help us roll our retirement into CDs. I took advantage of this and my interest has capitalized several times already. My account just keeps growing. I made a few withdrawals and I was amazed at how quickly and effortlessly I received my money. They really go out of their way to cater to their customers. They have the latest technology, but they also know that nothing can take the place of virtues, service and caring for our customers. They are bringing back customer respect and appreciation.


Data for Q2 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Bank of Walker County has a relatively low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Bank of Walker County had $474,000 in non-current loans and owned real-estate with $10.81 million in equity and loan loss allowances on hand to cover it. This gives Bank of Walker County a Texas Ratio of 4.38% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Bank of Walker County decreased slightly from 5.07% as of June 30, 2013 to 4.38% as of June 30, 2014, resulting in a positive change of 13.52%.This indicates that the balance sheet and financial strength for Bank of Walker County has improved slightly in recent periods.

Deposit Growth


In the past year, Bank of Walker County has decreased its total deposits by -$3.4 million, resulting in -5.12% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bank of Walker County has shown is below average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bank of Walker County has $73.44 million in assets with $10.81 million in equity, resulting in a capitalization level of 14.72%, which is excellent.

Institution Statistics

FDIC Certificate #57640
Year Established2004
Primary RegulatorFDIC
Assets and Liabilities
Assets$73.44 million
Loans$45.23 million
Deposits$63.10 million
Equity Capital$10.20 million
Loan Loss Allowance$616,000
Unbacked Noncurrent Loans$293,000
Real Estate Owned$181,000
Historic Data - June 2013
Assets$76.46 million
Equity Capital$9.88 million
Loan Loss Allowance$750,000
Unbacked Noncurrent Loans$293,000
Real Estate Owned$206,000
Profit Margin - Quarterly
Return on Assets0.63%
Return on Equity4.43%
Interest Income$1.51 million

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Bank of Walker County Locations
Bank Of Walker County607 Hwy 78 EastJasper, AL 35501