Bank of Brewton
Brewton, AL·RSSD 351131·FDIC 5605·bank:351131·CBLR opted in
- #90 of 93Total assets in Alabama
- 2offices
- 16employees
- Top 6%Cost of deposits vs. peers
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Bank of Brewton
5 of 24 FORFI signals stand out against 583 similar banks, based on FDIC data for the quarter.
Loans shrinking while the peer median growsNotable: Lending 2nd quarter-18.3%peers +2.6%-20.9 pp
Bank of Brewton's loans declined 18.3% over the past year to $15.2 million. The median among 518 similar banks was +2.6%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| -18.3% | +2.6% | -20.9 pp |
| Loans | ||
| $15.2 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 583 banks with under $100 million in assets that filed FDIC data for the same quarter. Bank of Brewton itself is left out of every peer median and percentile. How signals work
Noninterest-bearing deposit share rising faster than peersStrength: Funding 2nd quarter41.0%peers 23.1%+17.9 pp
Bank of Brewton's share of deposits that pay no interest rose 5.7 percentage points over the past year to 41.0%. Among 534 similar banks, the median rose 0.2 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Share of deposits that pay no interest | ||
| 41.0% | 23.1% | +17.9 pp |
| 12-month change | ||
| +5.7 pp | +0.2 pp | +5.6 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 583 banks with under $100 million in assets that filed FDIC data for the same quarter. Bank of Brewton itself is left out of every peer median and percentile. How signals work
Efficiency ratio falling faster than peersStrength: Efficiency73.6%peers 70.5%+3.1 pp
Bank of Brewton's efficiency ratio fell 20.7 percentage points over the past year to 73.6%. Among 571 similar banks, the median fell 1.7 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 73.6% | 70.5% | +3.1 pp |
| 12-month change | ||
| -20.7 pp | -1.7 pp | -18.9 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 583 banks with under $100 million in assets that filed FDIC data for the same quarter. Bank of Brewton itself is left out of every peer median and percentile. How signals work
Return on assets rising faster than peersStrength: Earnings1.26%peers 1.07%+19 bps
Bank of Brewton's annualized return on assets rose 151 bps over the past year to 1.26%. Among 572 similar banks, the median rose 13 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized return on assets | ||
| 1.26% | 1.07% | +19 bps |
| 12-month change | ||
| +151 bps | +13 bps | +138 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 583 banks with under $100 million in assets that filed FDIC data for the same quarter. Bank of Brewton itself is left out of every peer median and percentile. How signals work
1 more observation
- Deposit costs among the lowest of similar banksFunding
Key facts
- Bank of Brewton is a bank headquartered in Brewton, Alabama. It reported $49.6 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $40.3 million, up 3.7% from a year earlier, and loans totaled $15.2 million, down 18.3%.
- Its net interest margin was 4.06% and its annualized return on assets was 1.26% for the quarter.
- Its cost of all deposits was 0.58%, compared with a median of 1.51% among 538 similar banks with under $100 million in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Bank of Brewton's own data, FORFI would look at: Which borrowers are behind the loan growth, and what else those relationships need.
Analysis workspaces
Sources and identifiers
- Institution
- Bank of Brewton · Bank
- Federal Reserve RSSD
- 351131
- FDIC certificate
- 5605
- Reporting period
- Peer group
- 583 banks with under $100 million in assets that filed FDIC data for the same quarter. Bank of Brewton itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $158K | — | |
| $535K | — | |
| $59K | — | |
| $476K | — | |
| $96K | — | |
| $421K | — | |
| $0 | — | |
| -$7K | — | |
| 1.26% | 1.26%ROAQ · Quarter | |
| 4.06% | 4.04%NIMYQ · Quarter | |
| 73.60% | 73.60%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.