D
22nd State Banking Company, National Association
Mobile,  AL
Rating Date
August 2026
Risk Based
Capital Ratio
14.38
Leverage
Ratio
11.12
Return On
Assets
0.50%
Total
Assets
292.18M
Capital
33.66M
Total
Deposits
241.93M
Net
Income
712.00K
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Weiss Ratings 22nd State Banking Company, National Association
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Rating D
Asset Quality Index 1.90
Capitalization Index 10.00
Liquidity Index 0.30
Profitability Index 2.10
Stability Index 6.90
Company Info 22nd State Banking Company, National Association
Mobile, AL 		Click to
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FDIC Number 16910
Phone Number (251) 445-3805
Website www.22ndstatebank.com
Asset Quality 22nd State Banking Company, National Association
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1-Year Asset Growth 11.23%
5-Year Asset Growth 5.50%
5-Year Charge-Offs to Average Loans 0.26%
Charge-Offs to Average Loans 4.26%
Non-Performing Assets to Assets 1.72%
Non-Performing Loans to Capital 20.40%
Non-Performing Loans to Loans 2.31%
Balance Sheet 22nd State Banking Company, National Association
Mobile, AL 		Click to
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Total Assets 292.18M
Total Deposits 241.93M
Capital and Reserves 22nd State Banking Company, National Association
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Capital 33.66M
Leverage Ratio 11.12
Loan Loss Reserves to Loans 2.17%
Risk-Based Capital Ratio 14.38
Liquidity 22nd State Banking Company, National Association
Mobile, AL 		Click to
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Hot Money Ratio 27.22%
Liquidity Ratio 20.83%
Profitability 22nd State Banking Company, National Association
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5-Year Return on Average Assets 0.93%
Net Income 712.00K
Net Interest Spread 6.52%
Operating Profit to Average Assets 0.51%
Overhead Efficiency Ratio 92.94%
Return on Assets 0.50%
Return on Equity 4.06%