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 West Alabama Bank & Trust Rates & Review May 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: May 12, 2026
You can compare West Alabama Bank & Trust rates to other rates in our database, including 12-month CD rates currently at 0.05%, 6-month CD rates at 2.55% and 3-month CD rates at 2.52%. Savings rates are at 0.01% and money market rates are at 1.00%. Mortgage rates on 30-year fixed loans are around 6.03%. All these rates can be compared to West Alabama Bank & Trust rates. MonitorBankRates evaluates the financial stability of West Alabama Bank & Trust with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.65%. Rates were last updated on 05/12/2026. West Alabama Bank & Trust money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at West Alabama Bank & Trust? Share your experience about West Alabama Bank & Trust by leaving a review below, or read customer reviews before you decide to use West Alabama Bank & Trust. 
Current Rate AvailabilityWe do not have West Alabama Bank & Trust rates right now, but we are constantly updating our database so check back often for updated rates. Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for West Alabama Bank & Trust is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather West Alabama Bank & Trust rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with West Alabama Bank & Trust's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
West Alabama Bank & Trust
Bank Holding Company
WEST ALABAMA CAPITAL CORP
Address
509 1st Ave W,
Reform, AL 35481 · Pickens
Website
https://www.wabt.com
FDIC Certificate #
16175
Established
07/29/1944
FDIC Insurance Date
07/29/1944
Domestic Offices
16
Total Branches
16
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 99/100
5.0
Exceptional
Out of 5.0 Stars
2.65%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.9820%
Return on Equity (ROE)
12.8200%
Non-Performing Loans (NPL)
0.13%
Total Assets
$1,001,455,000
Total Deposits
$885,448,000
Equity Capital
$93,603,000
Net Income
$10,642,000
Headquarters
Reform
Total Offices
16
Source: FDIC | Last Updated 12/31/2025
Customer Reviews
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Frequently Asked Questions About West Alabama Bank & TrustHow many branches does West Alabama Bank & Trust operate?West Alabama Bank & Trust currently maintains approximately 16 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, West Alabama Bank & Trust does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, West Alabama Bank & Trust provides members with tools to manage their accounts and build a solid financial history. Does West Alabama Bank & Trust offer online and mobile banking?Most modern institutions like West Alabama Bank & Trust provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.wabt.com. Compare to Other Banks
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