B
Alamerica Bank
Rating Date
June 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Alamerica Bank
Birmingham, AL
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Rating B
Asset Quality Index 4.60
Capitalization Index 10.00
Liquidity Index 2.80
Profitability Index 3.20
Stability Index 5.20
Company Info Alamerica Bank
Birmingham, AL
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FDIC Number 35314
Phone Number (205) 558-4600
Website www.alamericabank.com
Asset Quality Alamerica Bank
Birmingham, AL
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1-Year Asset Growth 3.53%
5-Year Asset Growth -1.88%
5-Year Charge-Offs to Average Loans 0.41%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 2.38%
Non-Performing Loans to Capital 14.27%
Non-Performing Loans to Loans 3.86%
Balance Sheet Alamerica Bank
Birmingham, AL
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Total Assets 18.84M
Total Deposits 15.10M
Capital and Reserves Alamerica Bank
Birmingham, AL
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Capital 2.62M
Leverage Ratio 14.13
Loan Loss Reserves to Loans 1.45%
Risk-Based Capital Ratio 21.58
Liquidity Alamerica Bank
Birmingham, AL
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Hot Money Ratio 45.99%
Liquidity Ratio 38.69%
Profitability Alamerica Bank
Birmingham, AL
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5-Year Return on Average Assets -3.80%
Net Income 106.00K
Net Interest Spread 3.84%
Operating Profit to Average Assets 2.25%
Overhead Efficiency Ratio 78.63%
Return on Assets 2.25%
Return on Equity 16.67%