West Alabama Bank & Trust is an FDIC insured institution headquartered at
509 1st Ave W, Reform, AL 35481.
It was founded in
1944 and has approximately $1 billion in assets. Customers can open an account at one of its 14 branches.
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
Savings
|
0.05% | $250 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
6 Mo CD
|
0.25% | $1,000 | Compare |
|
12 Mo CD
|
0.50% | $1,000 | Compare |
|
24 Mo CD
|
0.60% | $1,000 | Compare |
|
36 Mo CD
|
0.75% | $1,000 | Compare |
|
48 Mo CD
|
0.75% | $1,000 | Compare |
|
60 Mo CD
|
0.75% | $1,000 | Compare |
| MM RATES | APY | MIN | |
|---|---|---|---|
|
Money Market
|
0.20% | $2,000 | Compare |
|
Money Market
|
0.25% | $10,000 | Compare |
|
Money Market
|
0.30% | $25,000 | Compare |
| INT CHECKING RATES | APY | MIN |
|---|---|---|
|
Int Ckg
|
0.05% | $1,000 |
| Tap into your home's equity & access the funds you need with a HELOC | $0 |
|
Intro APR: 6.240 %
After Intro:6.240 % |
$0 |
Reliant Home Funding, Inc NMLS ID: 292473 / Updated 2025-09-22 |
Intro APR: 6.950 %
After Intro:6.950 % |
$15,000 |
Figure Home Equity NMLS ID: 1717824 / Updated 2025-09-22 |
Intro APR: 6.950 %
After Intro:6.950 % |
$15,000 |
Four Leaf Federal Credit Union NMLS ID: 449104 / Updated 2025-12-22 |
Intro APR: 5.990 %
After Intro:7.000 % Intro Period: 12 months |
$25,000 |
|
Intro APR: 7.250 %
After Intro:7.250 % |
$25,000 |
Reliant Home Funding, Inc. NMLS ID: 292473 |
5.867% |
$1,868
Fees & Points
$4,101 Total
0.658 Pts ($2,106) $1,995 Fees |
Rocket Mortgage NMLS ID: 3030 |
Fees & Points
Total
Pts ($0) $0 Fees |
Quicken Loans NMLS ID: 167283 |
Fees & Points
Total
Pts ($0) $0 Fees |
| FDIC Insured | Yes |
| FDIC Certificate | # 16175 |
| Date Established | 1944 |
| Assets | $ 953.86 million |
| Loans | $ 579.21 million |
| Deposits | $ 822.66 million |
| Capital | $ 91.77 million |
| ASSETS | |
| Cash & Balances due from depository institutions | $ 17.76 million |
| Interest-bearing balances | $ 12.94 million |
| Total securities | $ 233.89 million |
| Federal funds sold and reverse repurchase | $ 61.14 million |
| Net loans and leases | $ 579.21 million |
| Loan loss allowance | $ 7.12 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 1.88 million |
| Goodwill and other intangibles | $ 7.03 million |
| All other assets | $ 37.55 million |
| Total Assets | $ 862.09 million |
| LIABILITIES | |
| Total deposits | $ 822.66 million |
| Interest-bearing deposits | $ 619.59 million |
| Deposits held in domestic offices | $ 822.66 million |
| % insured (estimated)" | 79.08% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | N.A. |
| Subordinated debt | N.A. |
| All other liabilities | $ 3.82 millionn |
| Total Liabilities | $ 862.09 million |
| Shareholders’ Equity | $ 91.77 million |
| INCOME AND EXPENSES | |
| Total Interest Income | $ 37.19 million |
| Total Interest Expense | $ 14.72 million |
| Net interest income | $ 22.47 million |
| Provision for loan and lease losses | $ 0.50 million |
| Total non interest income | $ 4.46 million |
| Total non interest expense | $ 15.57 million |
| Pre-tax Net Operating Income | $ 5.22 million |
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