22nd State Banking Company
Total assets
$292.2M
▲ +11.2% YoY
Deposits
$241.9M
▲ +10.1% YoY
Loans
$212.7M
▲ +6.9% YoY
Offices
4
FEB BANCSHARES INC
ROA (annualized)
0.51%
peers 1.24%
ROE (annualized)
4.07%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.2% | +4.4% | +6.9 pts |
| Deposit growth (YoY) | +10.1% | +4.0% | +6.1 pts |
| Loan growth (YoY) | +6.9% | +5.6% | +1.3 pts |
| ROA | 0.51% | 1.24% | -0.7 pts |
| ROE | 4.1% | 11.9% | -7.8 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
Profile
- Established
- 1917
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- FEB BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 51 Saint Joseph St, Mobile, AL, 36602
- County
- Mobile
- Metro area
- Mobile, AL
- Offices
- 4
- FDIC cert #
- 16910
- RSSD ID
- 449430
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $292.2M | $241.9M | $212.7M | $33.7M | $712K | 0.51% | 6.81% | 2.52% |
| Q1 2026 | $271.9M | $223.9M | $214.3M | $35.4M | $211K | 0.31% | 6.56% | 4.24% |
| Q4 2025 | $272.8M | $223.4M | $210.0M | $35.9M | $5.3M | 1.79% | 7.31% | 3.35% |
| Q3 2025 | $280.1M | $231.8M | $205.1M | $37.3M | $6.6M | 2.92% | 7.22% | 3.86% |
| Q2 2025 | $262.7M | $219.8M | $199.0M | $35.9M | $5.8M | 3.77% | 7.03% | 2.62% |
| Q1 2025 | $328.1M | $289.2M | $247.0M | $31.2M | $1.1M | 1.39% | 6.93% | 1.73% |
| Q4 2024 | $331.6M | $293.0M | $259.2M | $29.8M | $2.5M | 0.90% | 6.23% | 1.57% |
| Q3 2024 | $308.6M | $272.6M | $250.5M | $28.9M | $970K | 0.49% | 5.85% | 1.36% |
Loan mix (Q2 2026): real estate $88.4M · commercial $114.4M · consumer $13.1M · securities $36.5M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.51% | 1.24% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 11.9% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.81% | 3.96% | 100th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.9% | 62.9% | 96th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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