22nd State Bank


Overview / Commentary
334-266-5321
1920 Main Street
Louisville, AL 36048

22nd State Bank is headquartered in Louisville and is the 69th largest bank in the state of Alabama. It is also the 3,558th largest bank in the nation. It was established in 1917 and as of September of 2019, it had grown to 41 employees at 5 locations. 22nd State Bank has a C+ health rating.

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Health
C+
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

Overall
FDIC Certificate #16910
Year Established1917
Employees41
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD-1.1%
Return on Equity - YTD-11.29%
Annual Interest Income$4.7MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$135.0MM$134.8MM
LoansQ3 2019vs Q3 2018$95.0MM$98.4MM
DepositsQ3 2019vs Q3 2018$110.9MM$121.9MM
Equity CapitalQ3 2019vs Q3 2018$14.8MM$12.7MM
Loan Loss AllowanceQ3 2019vs Q3 2018$1.5MM$1.1MM
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$2.4MM$786.00K
Real Estate OwnedQ3 2019vs Q3 2018$333.00K$772.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

22nd State Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%*-$50kKasasa Saver
OTHER TIERS: 0.24% $50k+

22nd State Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%*-$25kKasasa Cash
OTHER TIERS: 0.24% $25k+
Locations


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
St. Joseph - Mobile31 St. Joseph St.Mobile, AL 36602

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