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West Alabama Bank & Trust

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West Alabama Bank & Trust Rates & Review April 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 26, 2026

You can compare West Alabama Bank & Trust rates to other rates in our database, including 12-month CD rates currently at 0.20%, 6-month CD rates at 0.25% and 3-month CD rates at 3.80%. Savings rates are at 0.50% and money market rates are at 0.25%. Mortgage rates on 30-year fixed loans are around 5.98%. 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 04/26/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.65%

Excellent Lower than avg

West Alabama Bank & Trust

509 1st Ave W
Reform, AL 35481

https://www.wabt.com

Current Rate Availability

We 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 Sources

MonitorBankRates 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 & Assets

A+

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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Average Rating

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Total Reviews

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Frequently Asked Questions About West Alabama Bank & Trust

Is West Alabama Bank & Trust a safe place to deposit money?

Yes, West Alabama Bank & Trust is considered a safe financial institution. With a Texas Ratio of 2.6542116282815%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How 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.