Headquartered in Hazel Green, Alabama, North Alabama Bank is a state-chartered bank with $178.6M in total assets and $156.0M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1989.
Based on its Q2 2026 filing, North Alabama Bank scores 80/100, which we describe as strong. That is higher than 77% of 2,650 banks with $100 million – $1 billion. Among 93 banks headquartered in Alabama, it ranks 23rd. Its strongest component is problem-loan coverage (98/100; 0.9%), and its lowest is capital cushion (67/100; 11.73%).
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 rose 4 points (76 → 80), mostly because the capital cushion component improved by 15 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 73 |
| Q4 2024 | 73 |
| Q1 2025 | 73 |
| Q2 2025 | 76 |
| Q3 2025 | 75 |
| Q4 2025 | 75 |
| Q1 2026 | 80 |
| Q2 2026 | 80 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.61% |
| Q3 2024 | 9.89% |
| Q4 2024 | 9.94% |
| Q1 2025 | 9.92% |
| Q2 2025 | 10.22% |
| Q3 2025 | 10.44% |
| Q4 2025 | 10.79% |
| Q1 2026 | 11.28% |
| Q2 2026 | 11.73% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.13% |
| Q3 2024 | 0.08% |
| Q4 2024 | 0.21% |
| Q1 2025 | 0.22% |
| Q2 2025 | 0.14% |
| Q3 2025 | 0.31% |
| Q4 2025 | 0.55% |
| Q1 2026 | 0.02% |
| Q2 2026 | 0.15% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.37% |
| Q3 2024 | 1.37% |
| Q4 2024 | 1.40% |
| Q1 2025 | 1.33% |
| Q2 2025 | 1.50% |
| Q3 2025 | 1.49% |
| Q4 2025 | 1.61% |
| Q1 2026 | 1.51% |
| Q2 2026 | 1.53% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 80 | $178.6M | 11.73% | 0.15% | 1.53% | 88.4% |
| Q1 2026 | 80 | $175.8M | 11.28% | 0.02% | 1.51% | 88.6% |
| Q4 2025 | 75 | $174.9M | 10.79% | 0.55% | 1.61% | 88.8% |
| Q3 2025 | 75 | $181.1M | 10.44% | 0.31% | 1.49% | 86.7% |
| Q2 2025 | 76 | $178.7M | 10.22% | 0.14% | 1.50% | 90.1% |
| Q1 2025 | 73 | $179.3M | 9.92% | 0.22% | 1.33% | 89.1% |
| Q4 2024 | 73 | $177.7M | 9.94% | 0.21% | 1.40% | 88.5% |
| Q3 2024 | 73 | $174.0M | 9.89% | 0.08% | 1.37% | 90.5% |
| Q2 2024 | 72 | $175.0M | 9.61% | 0.13% | 1.37% | 85.3% |
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).
Similar-size banks in Alabama
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Federal Bank, A FSBBank Tuscaloosa, AL | 55 out of 100, Moderate | $182.6M | 7.8% | 0.60% | vs |
| The First National Bank of HartfordBank Hartford, AL | 75 out of 100, Strong | $173.0M | 12.9% | 1.19% | vs |
| Valley State BankBank Russellville, AL | 82 out of 100, Strong | $169.5M | 17.8% | 0.97% | vs |
| Community Neighbor BankBank Camden, AL | 69 out of 100, Moderate | $193.2M | 11.1% | 1.30% | vs |
| Citizens' Bank, Inc.Bank Robertsdale, AL | 77 out of 100, Strong | $158.9M | 11.0% | 0.14% | vs |
| PeoplesTrust BankBank Hamilton, AL | 73 out of 100, Strong | $201.2M | 11.1% | 0.45% | vs |
Deposit insurance
Is my money safe at North Alabama Bank?
Yes. North Alabama Bank is an FDIC-insured institution (FDIC certificate #27560). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.1% of deposits ($25.2M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.73%, 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%).
4 locations
Branches
North Alabama Bank lists 4 offices in 3 cities. Most locations:
- Huntsville, AL (2)
- Ardmore, AL (1)
- Hazel Green, AL (1)
HMDA 2025
Mortgage lending
In 2025, North Alabama Bank reported 40 home-loan applications under HMDA (LEI 254900Z8HZ6PMY4EY406): 37 originated ($5,255,000 total), 1 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.6%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- North Alabama Bank
- Type
- State-chartered bank
- FDIC certificate #
- 27560
- RSSD ID
- 1402384
- Primary regulator
- FDIC
- Holding company
- Bolc Corp
- Established
- August 14, 1989
- Headquarters
- 13914 Highway 231 431 N, Hazel Green, AL 35750
- Website
- www.northalabamabank.com
- Employees
- 42
Quick answers
North Alabama Bank: common questions
Is North Alabama Bank FDIC insured?
Yes. North Alabama Bank is an FDIC-insured institution (FDIC certificate #27560). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is North Alabama Bank's TellerScore?
80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has North Alabama Bank ever failed?
There is no failure record for FDIC certificate #27560 in the FDIC failed bank list.
How many branches does North Alabama Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Hazel Green
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Family Security Credit UnionCredit union Decatur, AL | 95 out of 100, Very strong | $1.1B | 19.9% | 0.61% | vs |
| First Jackson Bank, Inc.Bank Stevenson, AL | 93 out of 100, Very strong | $444.3M | 14.8% | 0.08% | vs |
| Citizens Community BankBank Winchester, TN | 90 out of 100, Very strong | $352.6M | 14.6% | 0.38% | vs |
| First State Bank of the South, Inc.Bank Sulligent, AL | 89 out of 100, Very strong | $130.7M | 16.4% | 0.24% | vs |
| Heritage South Community Credit UnionCredit union Shelbyville, TN | 88 out of 100, Very strong | $361.9M | 17.1% | 0.75% | vs |
| Bank of Lincoln CountyBank Fayetteville, TN | 86 out of 100, Very strong | $230.1M | 12.2% | 0.01% | vs |