Merchants Bank of Alabama

Established in 1907

About Merchants Bank of Alabama

Merchants Bank of Alabama was established on 1907. The bank's headquarters are located at 900 Second Avenue, Sw in Cullman, Alabama.

Merchants Bank of Alabama is an FDIC insured bank with FDIC number 46 managing assets to the value of $371,149 as of 12/31/2020.

Merchants Bank of Alabama has a Texas ratio of 3.98%.
The bank Texas Ratio is an indicator of the bank's health developed at RBC Capital Markets to measure a financial institution's credit troubles. The lower the Texas Ratio, the healthier the bank.

About the Bank

Texas Ratio
FDIC Certificate #


Active Insured Since #


Financial Profile

Dollar figures in thousands (000's)

As of 12/31/2020
Total Assets $371,149
Equity Capital $34,934
Total Deposits $334,722
Total Liabilities $336,216
Total Securities $84,064
Net Loans And Leases $190,512
Loan Loss Allowance $2,416
Total Loans And Leases $193,031
YTD (as of 12/31/2020)
Return On Assets 1.03%
Return On Equity 10.32%
Total Interest Income $12,281
Total Interest Expense $1,191
Total Non Interest Income $2,600
Total Non Interest Expense $8,785


900 Second Avenue, Sw 35055, Cullman

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Total Loans and Leases Statistics

Total Loans and Leases $193,031 In thousands (000's) * All data provided by updated 12/31/2020