22nd State Banking Company (FDIC certificate #16910) is based in Mobile, Alabama. Its Q2 2026 call report shows $292.2M in total assets and $241.9M in deposits and 4 offices.
22nd State Banking Company has a TellerScore of 41 out of 100 (below average) based on Q2 2026 data — higher than only 3% of its 2,650 banks with $100 million – $1 billion. Among 93 banks headquartered in Alabama, it ranks 90th. Problem-loan coverage contributes the most (62/100, 19.2%); loan quality contributes the least (0/100, 3.39%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 18 points (59 → 41), mostly because the earnings component weakened by 60 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 50 |
| Q3 2024 | 54 |
| Q4 2024 | 50 |
| Q1 2025 | 54 |
| Q2 2025 | 59 |
| Q3 2025 | 60 |
| Q4 2025 | 56 |
| Q1 2026 | 42 |
| Q2 2026 | 41 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.11% |
| Q3 2024 | 10.85% |
| Q4 2024 | 9.16% |
| Q1 2025 | 9.37% |
| Q2 2025 | 12.93% |
| Q3 2025 | 13.63% |
| Q4 2025 | 12.77% |
| Q1 2026 | 12.73% |
| Q2 2026 | 11.12% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.03% |
| Q3 2024 | 1.65% |
| Q4 2024 | 1.98% |
| Q1 2025 | 2.02% |
| Q2 2025 | 3.39% |
| Q3 2025 | 5.17% |
| Q4 2025 | 4.24% |
| Q1 2026 | 5.24% |
| Q2 2026 | 3.39% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.25% |
| Q3 2024 | 0.49% |
| Q4 2024 | 0.90% |
| Q1 2025 | 1.39% |
| Q2 2025 | 3.77% |
| Q3 2025 | 2.92% |
| Q4 2025 | 1.79% |
| Q1 2026 | 0.31% |
| Q2 2026 | 0.51% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 41 | $292.2M | 11.12% | 3.39% | 0.51% | 87.9% |
| Q1 2026 | 42 | $271.9M | 12.73% | 5.24% | 0.31% | 95.7% |
| Q4 2025 | 56 | $272.8M | 12.77% | 4.24% | 1.79% | 94.0% |
| Q3 2025 | 60 | $280.1M | 13.63% | 5.17% | 2.92% | 88.5% |
| Q2 2025 | 59 | $262.7M | 12.93% | 3.39% | 3.77% | 90.5% |
| Q1 2025 | 54 | $328.1M | 9.37% | 2.02% | 1.39% | 85.4% |
| Q4 2024 | 50 | $331.6M | 9.16% | 1.98% | 0.90% | 88.5% |
| Q3 2024 | 54 | $308.6M | 10.85% | 1.65% | 0.49% | 91.9% |
| Q2 2024 | 50 | $252.6M | 11.11% | 2.03% | 0.25% | 91.0% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Alabama
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Citizens Bank of WinfieldBank Winfield, AL | 83 out of 100, Strong | $301.3M | 17.5% | 0.26% | vs |
| HNB First BankBank Headland, AL | 64 out of 100, Moderate | $282.4M | 9.5% | 0.63% | vs |
| Farmers and Merchants BankBank Lafayette, AL | 70 out of 100, Strong | $307.6M | 11.6% | 0.98% | vs |
| Farmers and Merchants BankBank Piedmont, AL | 75 out of 100, Strong | $308.7M | 12.7% | 0.78% | vs |
| Liberty BankBank Geraldine, AL | 81 out of 100, Strong | $258.6M | 11.3% | 0.15% | vs |
| First Financial BankBank Bessemer, AL | 61 out of 100, Moderate | $248.1M | 10.7% | 1.52% | vs |
Deposit insurance
Is my money safe at 22nd State Banking Company?
Yes. 22nd State Banking Company is an FDIC-insured institution (FDIC certificate #16910). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 30.4% of deposits ($73.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.12%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.38% (benchmark: 10%).
4 locations
Branches
22nd State Banking Company lists 4 offices in 3 cities. Most locations:
- Mobile, AL (2)
- Brewton, AL (1)
- Geneva, AL (1)
Identity & history
Profile
- Legal name
- 22nd State Banking Company
- Former names
- Farmers Exchange Bank; 22nd State Bank; First Exchange Bank of Alabama
- Type
- State-chartered bank
- FDIC certificate #
- 16910
- RSSD ID
- 449430
- Primary regulator
- FDIC
- Holding company
- Feb Bancshares Inc
- Established
- January 1, 1917
- Headquarters
- 51 Saint Joseph St, Mobile, AL 36602
- Website
- www.22ndstatebank.com
- Employees
- 77
Quick answers
22nd State Banking Company: common questions
Is 22nd State Banking Company FDIC insured?
Yes. 22nd State Banking Company is an FDIC-insured institution (FDIC certificate #16910). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is 22nd State Banking Company's TellerScore?
41 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has 22nd State Banking Company ever failed?
There is no failure record for FDIC certificate #16910 in the FDIC failed bank list.
How many branches does 22nd State Banking Company have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Mobile
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| University of South Alabama Federal Credit UnionCredit union Mobile, AL | 96 out of 100, Very strong | $56.2M | 16.4% | 0.49% | vs |
| Family Security Credit UnionCredit union Decatur, AL | 95 out of 100, Very strong | $1.1B | 19.9% | 0.61% | vs |
| Mobile Government Emp. Credit UnionCredit union Mobile, AL | 90 out of 100, Very strong | $15.0M | 22.0% | 0.00% | vs |
| Blue Flame Credit UnionCredit union Mobile, AL | 90 out of 100, Very strong | $10.7M | 15.4% | 0.00% | vs |
| Navigator Federal Credit UnionCredit union Pascagoula, MS | 90 out of 100, Very strong | $406.7M | 18.0% | 0.38% | vs |
| Jm Associates Federal Credit UnionCredit union Jacksonville, FL | 87 out of 100, Very strong | $151.2M | 15.5% | 0.71% | vs |