Headquartered in Birmingham, Alabama, Oakworth Capital Bank is a state-chartered bank with $2.1B in total assets and $1.8B in deposits as of Q2 2026. It operates 4 offices across 3 states. Its charter dates back to 2008.
Oakworth Capital Bank has a TellerScore of 58 out of 100 (moderate) based on Q2 2026 data — higher than only 17% of its 897 banks with $1 billion – $10 billion. Among 93 banks headquartered in Alabama, it ranks 77th. Problem-loan coverage contributes the most (87/100, 6.6%); funding & liquidity contributes the least (17/100, 96% loans-to-deposits, 57% uninsured).
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 7 points (65 → 58), mostly because the loan quality component weakened by 22 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 63 |
| Q4 2024 | 63 |
| Q1 2025 | 58 |
| Q2 2025 | 65 |
| Q3 2025 | 65 |
| Q4 2025 | 65 |
| Q1 2026 | 57 |
| Q2 2026 | 58 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.42% |
| Q3 2024 | 9.31% |
| Q4 2024 | 9.50% |
| Q1 2025 | 9.49% |
| Q2 2025 | 9.73% |
| Q3 2025 | 9.84% |
| Q4 2025 | 9.28% |
| Q1 2026 | 9.50% |
| Q2 2026 | 9.60% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.02% |
| Q1 2025 | 0.65% |
| Q2 2025 | 0.04% |
| Q3 2025 | 0.04% |
| Q4 2025 | 0.03% |
| Q1 2026 | 0.73% |
| Q2 2026 | 0.68% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.06% |
| Q3 2024 | 1.07% |
| Q4 2024 | 1.06% |
| Q1 2025 | 1.24% |
| Q2 2025 | 1.16% |
| Q3 2025 | 1.17% |
| Q4 2025 | 1.17% |
| Q1 2026 | 1.09% |
| Q2 2026 | 1.17% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 58 | $2.1B | 9.60% | 0.68% | 1.17% | 96.5% |
| Q1 2026 | 57 | $2.0B | 9.50% | 0.73% | 1.09% | 91.7% |
| Q4 2025 | 65 | $2.0B | 9.28% | 0.03% | 1.17% | 86.2% |
| Q3 2025 | 65 | $1.9B | 9.84% | 0.04% | 1.17% | 88.9% |
| Q2 2025 | 65 | $1.8B | 9.73% | 0.04% | 1.16% | 93.7% |
| Q1 2025 | 58 | $1.8B | 9.49% | 0.65% | 1.24% | 90.4% |
| Q4 2024 | 63 | $1.8B | 9.50% | 0.02% | 1.06% | 89.6% |
| Q3 2024 | 63 | $1.7B | 9.31% | 0.00% | 1.07% | 90.9% |
| Q2 2024 | 62 | $1.6B | 9.42% | 0.00% | 1.06% | 95.5% |
897 peers · $1 billion – $10 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 |
|---|---|---|---|---|---|
| Troy Bank & Trust CompanyBank Troy, AL | 67 out of 100, Moderate | $1.6B | 12.8% | 1.35% | vs |
| United BankBank Atmore, AL | 74 out of 100, Strong | $1.5B | 15.8% | 1.35% | vs |
| Peoples Bank of AlabamaBank Cullman, AL | 76 out of 100, Strong | $1.4B | 11.2% | 0.56% | vs |
| Bank IndependentBank Sheffield, AL | 65 out of 100, Moderate | $2.9B | 9.8% | 0.22% | vs |
| First Bank of AlabamaBank Talladega, AL | 45 out of 100, Below average | $1.4B | 9.8% | 3.40% | vs |
| SouthPoint BankBank Birmingham, AL | 21 out of 100, Low | $1.4B | 6.9% | 3.54% | vs |
Deposit insurance
Is my money safe at Oakworth Capital Bank?
Yes. Oakworth Capital Bank is an FDIC-insured institution (FDIC certificate #58783). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 56.8% of deposits ($1.0B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.60%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.92% (benchmark: 10%).
4 locations
Branches
Oakworth Capital Bank lists 4 offices in 4 cities across 3 states. Most locations:
- Birmingham, AL (1)
- Brentwood, TN (1)
- Charlotte, NC (1)
- Mobile, AL (1)
Identity & history
Profile
- Legal name
- Oakworth Capital Bank
- Type
- State-chartered bank
- FDIC certificate #
- 58783
- RSSD ID
- 3720608
- Primary regulator
- FDIC
- Holding company
- Oakworth Capital Inc
- Established
- March 31, 2008
- Headquarters
- 850 Shades Creek Pkwy, Birmingham, AL 35209
- Website
- www.oakworth.com
- Employees
- 170
Quick answers
Oakworth Capital Bank: common questions
Is Oakworth Capital Bank FDIC insured?
Yes. Oakworth Capital Bank is an FDIC-insured institution (FDIC certificate #58783). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Oakworth Capital Bank's TellerScore?
58 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 Oakworth Capital Bank ever failed?
There is no failure record for FDIC certificate #58783 in the FDIC failed bank list.
How many branches does Oakworth Capital Bank have?
4 offices as of the latest FDIC data, in 3 states.
Nearby
Highest-scoring banks and credit unions with branches near Birmingham
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Omaha Public Power Dist Emp Federal Credit UnionCredit union Omaha, NE | 98 out of 100, Very strong | $34.8M | 25.2% | 0.00% | vs |
| Alabama Postal Credit UnionCredit union Birmingham, AL | 96 out of 100, Very strong | $6.4M | 44.5% | 0.28% | vs |
| Acipco Federal Credit UnionCredit union Birmingham, AL | 94 out of 100, Very strong | $221.5M | 14.4% | 0.21% | vs |
| Rocket City Federal Credit UnionCredit union Huntsville, AL | 94 out of 100, Very strong | $69.1M | 17.3% | 0.17% | vs |
| Coosa Pines Federal Credit UnionCredit union Childersburg, AL | 88 out of 100, Very strong | $420.8M | 16.2% | 0.87% | vs |
| Genuine Parts Credit UnionCredit union Norcross, GA | 87 out of 100, Very strong | $19.5M | 79.2% | 0.00% | vs |