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BDI
LB

Local Bank

Tuscaloosa, AlabamaFDIC Cert #9614

STATEEstablished 19143 branches

Holding company: LOCAL BCORP 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 %
0.09%
−39.8%y/y
Peer standing79th percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICP3ASSET + LNLSGR
90+ %
0.00%
Peer standing100th percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICP9ASSET + LNLSGR
Nonaccrual %
1.43%
+1,064.9%y/y
Peer standing16th percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICNAASSET + LNLSGR
Noncurrent %
1.43%
+1,064.9%y/y
Peer standing21st percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
1.34%
+1,309.8%y/y
Peer standing15th percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$1.42M
+1,650.6%y/y
Peer standing27th percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICP9ASSET + NAASSET + ORE

Loss & allowance

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

NCO rate
0.94%
+4,077.0%y/y
Peer standing2nd percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICNTLNLS + LNLSGR
NCO
$179K
+6,066.7%y/y
Peer standing4th percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
0.86%
−2.6%y/y
Percentile by value12th percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICLNATRES + LNLSGR
30–89
$74K
−21.3%y/y
Peer standing80th percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICP3ASSET
90+
$0
Peer standing100th percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICP9ASSET
Nonaccrual
$1.23M
+1,422.2%y/y
Peer standing20th percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICNAASSET