$220M
−12.5%y/y
Percentile by value97th percentileby value
FDIC
LNLSGR2S
22nd State Banking Company
Mobile, AlabamaFDIC Cert #16910
STATEEstablished 19174 branches
Holding company: FEB BANCSHARES INCRegulator: FDIC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $22.2M |
| Investor CRE | $11.7M |
| Multifamily | $9.02M |
| Construction | $4.59M |
| 1–4 family | $46.3M |
| C&I | $108M |
| Agriculture | $4.72M |
| Other | $13.7M |
Loan book
Reported balances and balance-sheet intensity.
$214M
−13.2%y/y
Percentile by value96th percentileby value
FDIC
LNLSNET−13.24%
−137.6%y/y
Percentile by value1st percentileby value
FDIC
LNLSNET95.7%
+12.0%y/y
Percentile by value88th percentileby value
FDIC
LNLSNET + DEP78.8%
+4.7%y/y
Percentile by value86th percentileby value
FDIC
LNLSNET + ASSET48.24%
−24.7%y/y
Percentile by value7th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
67%
−43.0%y/y
Percentile by value39th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC12%
+5.3%y/y
Percentile by value31st percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC3,012points
+47.1%y/y
Peer standing28th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD10.11%
−43.9%y/y
Percentile by value56th percentileby value
FDIC
LNRENROW + LNLSGR5.31%
−42.6%y/y
Percentile by value36th percentileby value
FDIC
LNRENROT + LNLSGR48.96%
+55.2%y/y
Percentile by value99th percentileby value
FDIC
LNCI + LNLSGR