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.

From Q2 2025 to Q2 2026, the score rose 7 points (70 → 77), mostly because the loan quality component improved by 15 points.

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

Yes. West Alabama Bank & Trust is an FDIC-insured institution (FDIC certificate #16175). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 23.0% of deposits ($185.8M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.22%, 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

West Alabama Bank & Trust lists 15 offices in 15 cities. Most locations:

• Aliceville, AL (1)
• Birmingham, AL (1)
• Butler, AL (1)
• Carrollton, AL (1)
• Ethelsville, AL (1)
• Fairhope, AL (1)
• Fayette, AL (1)
• Gordo, AL (1)
• Livingston, AL (1)
• Marion, AL (1)
• Millport, AL (1)
• Northport, AL (1)

All branch addresses and map

Legal name

West Alabama Bank & Trust

Former names

Bank of Reform, Reform, Alabama; West Alabama Bank

Type

State-chartered bank

FDIC certificate #

16175

RSSD ID

501132

Primary regulator

FDIC

Holding company

West Alabama Capital Corp

Established

July 29, 1944

Headquarters

509 1st Ave W, Reform, AL 35481

Website

www.wabt.com

Employees

159