Bank · FDIC insured
22nd State Bank
A $292.2M bank headquartered in Mobile, AL, with 4 branches in Alabama.
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About 22nd State Bank
Founded in 1917 as Farmers Exchange Bank, 22nd State Bank is headquartered in Mobile, Alabama.
In 2018, the institution became 22nd State Bank and operates as a division of 22nd State Banking Company.
- Headquarters
- 51 Saint Joseph St, Mobile, AL 36602
- FDIC certificate
- 16910 ↗
Branches
4 branches in Alabama
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Alabama
4 branches
Mobile area · 2
- 22nd State Banking CompanyMain office51 Saint Joseph St, Mobile, AL 36602Directions
- Spring Hill Branch4357 Old Shell Road, Mobile, AL 36608Directions
Brewton area · 1
- Brewton Branch226 Saint Joseph Ave, Brewton, AL 36426Directions
Geneva area · 1
- Geneva Branch515 S Commerce St, Geneva, AL 36340Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.12% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 3.39% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.51% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $90 | $81 | — |
- CapitalLeverage ratio11.12%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent3.39%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.51%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$90Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of 22nd State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.