TellerScore

Headquartered in Moundville, Alabama, Bank of Moundville is a state-chartered bank with $144.6M in total assets and $127.8M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1907.

Bank of Moundville has a TellerScore of 55 out of 100 (moderate) based on Q2 2026 data — higher than only 11% of its 2,650 banks with $100 million – $1 billion. Among 93 banks headquartered in Alabama, it ranks 82nd. Capital cushion contributes the most (100/100, 15.10%); loan quality contributes the least (0/100, 5.45%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 15.10%
Loan quality0/100
Noncurrent loans ÷ total loans: 5.45%
Earnings36/100
Return on assets (annualized): 0.39%
Funding & liquidity75/100
Loans ÷ deposits and uninsured-deposit share: 45.5% · 37.4% uninsured
Problem-loan coverage62/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 19.08%

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 28 points (83 → 55), mostly because the loan quality component weakened by 92 points.

TellerScore
557084Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202484
Q3 202484
Q4 202484
Q1 202584
Q2 202583
Q3 202584
Q4 202556
Q1 202656
Q2 202655
Tier 1 leverage ratio
5.00%11.21%17.41%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202417.14%
Q3 202417.12%
Q4 202417.41%
Q1 202517.18%
Q2 202516.18%
Q3 202516.18%
Q4 202516.07%
Q1 202615.71%
Q2 202615.10%
Noncurrent loans
0.02%2.74%5.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.03%
Q3 20240.02%
Q4 20240.23%
Q1 20250.11%
Q2 20250.24%
Q3 20250.10%
Q4 20255.10%
Q1 20265.11%
Q2 20265.45%
Return on assets
0.30%0.44%0.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.30%
Q3 20240.30%
Q4 20240.58%
Q1 20250.39%
Q2 20250.48%
Q3 20250.47%
Q4 20250.45%
Q1 20260.39%
Q2 20260.39%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202655$144.6M15.10%5.45%0.39%45.5%
Q1 202656$138.5M15.71%5.11%0.39%46.6%
Q4 202556$133.5M16.07%5.10%0.45%48.8%
Q3 202584$137.9M16.18%0.10%0.47%46.4%
Q2 202583$135.5M16.18%0.24%0.48%45.8%
Q1 202584$128.1M17.18%0.11%0.39%51.0%
Q4 202484$117.2M17.41%0.23%0.58%54.9%
Q3 202484$125.1M17.12%0.02%0.30%48.8%
Q2 202484$123.5M17.14%0.03%0.30%48.3%

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).

Capital ratio15.10%
87th
Total risk-based capital0.00%
24th
Problem loans5.45%
2nd
Net charge-offs0.04%
31st
Return on assets0.39%
10th
Net interest margin2.72%
5th
Efficiency ratio79.7%
14th
Loans to deposits45.5%
94th
Uninsured deposits37.4%
13th
Loan-loss reserves1.02%
29th
Texas ratio19.1%
6th

Similar-size banks in Alabama

InstitutionScoreAssetsCapitalProblem loansCompare
Sweet Water State BankBank Sweet Water, AL67 out of 100, Moderate$150.0M9.7%1.30%vs
Merchants & Farmers Bank of Greene County, AlabamaBank Eutaw, AL46 out of 100, Below average$135.9M11.7%5.41%vs
The Southern Bank CompanyBank Gadsden, AL76 out of 100, Strong$133.1M15.1%1.89%vs
First State Bank of the South, Inc.Bank Sulligent, AL89 out of 100, Very strong$130.7M16.4%0.24%vs
Citizens' Bank, Inc.Bank Robertsdale, AL77 out of 100, Strong$158.9M11.0%0.14%vs
The Citizens BankBank Greensboro, AL67 out of 100, Moderate$129.2M12.2%1.87%vs

Deposit insurance

Is my money safe at Bank of Moundville?

Yes. Bank of Moundville is an FDIC-insured institution (FDIC certificate #9057). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 37.4% of deposits ($47.8M) 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 15.10%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Bank of Moundville lists 1 office in 1 city. Most locations:

  • Moundville, AL (1)

All branch addresses and map

Identity & history

Profile

Legal name
Bank of Moundville
Type
State-chartered bank
FDIC certificate #
9057
RSSD ID
586335
Primary regulator
FDIC
Holding company
Moundville Bancshares Inc
Established
September 17, 1907
Headquarters
319 Market St, Moundville, AL 35474
Employees
14

Quick answers

Bank of Moundville: common questions

Is Bank of Moundville FDIC insured?

Yes. Bank of Moundville is an FDIC-insured institution (FDIC certificate #9057). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank of Moundville's TellerScore?

55 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Bank of Moundville ever failed?

There is no failure record for FDIC certificate #9057 in the FDIC failed bank list.

How many branches does Bank of Moundville have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Moundville

InstitutionScoreAssetsCapitalProblem loansCompare
Federation of Greene County Empl. Federal Credit UnionCredit union Eutaw, AL99 out of 100, Very strong$2.2M23.1%0.08%vs
Nucor Employee'S Credit UnionCredit union Florence, SC91 out of 100, Very strong$68.2M19.7%0.61%vs
First State Bank of the South, Inc.Bank Sulligent, AL89 out of 100, Very strong$130.7M16.4%0.24%vs
City Credit UnionCredit union Tuscaloosa, AL86 out of 100, Very strong$21.3M24.0%0.79%vs
Southern Energy Credit UnionCredit union Birmingham, AL84 out of 100, Strong$3.6B14.6%0.23%vs
Tuscaloosa V a Federal Credit UnionCredit union Tuscaloosa, AL84 out of 100, Strong$51.9M13.1%0.24%vs