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BDI
2S

22nd State Banking Company

Mobile, AlabamaFDIC Cert #16910

STATEEstablished 19174 branches

Holding company: FEB BANCSHARES INCRegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.98%
−65.0%y/y
Peer standing36th percentile
Peer standing in asset:100m_300m
FDICP3ASSET + LNLSGR
90+ %
1.93%
+54.5%y/y
Peer standing2nd percentile
Peer standing in asset:100m_300m
FDICP9ASSET + LNLSGR
Nonaccrual %
3.31%
+331.7%y/y
Peer standing3rd percentile
Peer standing in asset:100m_300m
FDICNAASSET + LNLSGR
Noncurrent %
5.24%
+160.0%y/y
Peer standing2nd percentile
Peer standing in asset:100m_300m
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
4.24%
+145.1%y/y
Peer standing1st percentile
Peer standing in asset:100m_300m
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$11.5M
+103.1%y/y
Peer standing0th percentile
Peer standing in asset:100m_300m
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.20%
−37.4%y/y
Peer standing10th percentile
Peer standing in asset:100m_300m
FDICNTLNLS + LNLSGR
NCO
$111K
−40.3%y/y
Peer standing6th percentile
Peer standing in asset:100m_300m
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
2.53%
+50.4%y/y
Percentile by value97th percentileby value
Peer standing in asset:100m_300m
FDICLNATRES + LNLSGR
30–89
$2.15M
−69.4%y/y
Peer standing18th percentile
Peer standing in asset:100m_300m
FDICP3ASSET
90+
$4.24M
+35.2%y/y
Peer standing0th percentile
Peer standing in asset:100m_300m
FDICP9ASSET
Nonaccrual
$7.28M
+277.8%y/y
Peer standing1st percentile
Peer standing in asset:100m_300m
FDICNAASSET