22nd State Bank

Overview / Commentary
1920 Main Street
Louisville, AL 36048

22nd State Bank is headquartered in Louisville and is the 70th largest bank in the state of Alabama. It is also the 3,470th largest bank in the nation. It was established in 1917 and as of June of 2019, it had grown to 40 employees at 5 locations. 22nd State Bank has a C health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. 22nd State Bank has a negative return on equity.

Health Grade Components

FDIC Certificate #16910
Year Established1917
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD-1.64%
Return on Equity - YTD-17.41%
Annual Interest Income$3.2MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$141.7MM$135.8MM
LoansQ2 2019vs Q2 2018$96.7MM$97.4MM
DepositsQ2 2019vs Q2 2018$116.7MM$122.7MM
Equity CapitalQ2 2019vs Q2 2018$13.7MM$12.9MM
Loan Loss AllowanceQ2 2019vs Q2 2018$1.5MM$1.0MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$2.4MM$1.2MM
Real Estate OwnedQ2 2019vs Q2 2018$572.00K$1.0MM

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22nd State Bank Locations
North Eufaula Branch101 N. Eufaula AvenueEufaula, AL 36027
Farmers Exchange Bank1920 Main StreetLouisville, AL 36048
Eufaula Avenue Branch21 Eufaula AvenueClayton, AL 36016
First Exchange Bank - A Division Of Farmers Exchan226 St. Joseph AvenueBrewton, AL 36426
Mobile Branch917 Western America Circle, Ste 202Mobile, AL 36609

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