2026 Overview
General Bank Information
Traders & Farmers Bank is an FDIC insured institution located in Haleyville, AL. It was founded in 1906 and has approximately $0.38 billion in assets. Customers can open an account at one of its 7 branches.
| FDIC Insured | Yes |
| FDIC Certificate | # 47 |
| Date Established | 1906 |
| Assets | $ 364.23 million |
| Loans | $ 160.46 million |
| Deposits | $ 292.49 million |
| Capital | $ 61.24 million |
For a more detailed analysis of Traders & Farmers Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.
Deposit Rates - October 10, 2026
Your Current Location: New York, NY 10116
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Loan Rates - October 10, 2026
Your Current Location: New York, NY 10116
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Branches
Traders & Farmers Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
New York City,New York
Traders & Farmers Bank Locations around zip code 10116
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 830.41 | A | View Lobby Hours | |
| 838.48 | B | View Lobby Hours | |
| 841.82 | C | View Lobby Hours | |
| 842.60 | D | View Lobby Hours | |
| 849.63 | E | View Lobby Hours | |
| 851.30 | F | View Lobby Hours | |
| 852.93 | G | View Lobby Hours |
Climate Policy and Initiatives
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Financial Details
Traders & Farmers Bank Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Traders & Farmers Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.
Texas Ratio
| Traders & Farmers Bank | U.S. Bank Average |
|---|---|
| 5.66% | 6.04% |
The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.
As of June 30, 2026, Traders & Farmers Bank had $2,302,000 in non-current loans and $1,278,000 in owned real estate. To cover these potential losses it had $61,240,000 in equity and $1,996,000 in loans loss reserves. That gives it a Texas Ratio of 5.66%.
Return on Equity
| Traders & Farmers Bank | U.S. Bank Average |
|---|---|
| 5.67% | 11.52% |
Traders & Farmers Bank has a Return on Equity of 5.67% versus the BestCashCow average of 11.52%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.
Capitalization
| Traders & Farmers Bank | U.S. Bank Average |
|---|---|
| 16.81% | 11.94% |
Traders & Farmers Bank has a Capitalization of 16.81% versus the BestCashCow average of 11.94. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.
Traders & Farmers Bank Balance Sheet Analysis
As of March 31, 2020, Traders & Farmers Bank had assets of $379,039,000, loans of $160,464,000, and deposits of $292,489,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.
Summary Balance Sheet
June 30, 2026| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 6.45 million |
| Interest-bearing balances | $ 1.03 million |
| Total securities | $ 156.51 million |
| Federal funds sold and reverse repurchase | $ 19.30 million |
| Net loans and leases | $ 160.46 million |
| Loan loss allowance | $ 2.00 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 1.28 million |
| Goodwill and other intangibles | N.A. |
| All other assets | $ 11.15 million |
| Total Assets | $ 302.99 million |
| LIABILITIES | |
|---|---|
| Total deposits | $ 292.49 million |
| Interest-bearing deposits | $ 222.45 million |
| Deposits held in domestic offices | $ 292.49 million |
| % insured (estimated) | 76.58% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 10.00 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 0.50 million |
| Total Liabilities | $ 302.99 million |
| Shareholders’ Equity | $ 61.24 million |
Summary Income Statement
June 30, 2026| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 3.51 million |
| Total Interest Expense | $ 0.62 million |
| Net interest income | $ 2.89 million |
| Provision for loan and lease losses | $ 0.02 million |
| Total non interest income | $ 0.17 million |
| Total non interest expense | $ 2.64 million |
| Pre-tax Net Operating Income | $ 0.41 million |
Bank Loan Profile?
The top three loan types in Traders & Farmers Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.
Compared to other banks in Alabama, Traders & Farmers Bank has a significantly higher percent of 1-4 Family Residential Loans on its balance sheet, potentially indicating a specialty in that lending area.
Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.
| % Loans |
% Comparison to Other Banks |
|||
|---|---|---|---|---|
| Low | Med | High | ||
| 1-4 Family Residential Loans | 51.11 | ✓ | ||
| Multifamily Mortgages |
0.00 | ✓ | ||
| Credit Card Loans | 0.00 | ✓ | ||
| Consumer Auto Loans | 3.00 | ✓ | ||
| Small Business Loans | 0.00 | ✓ | ||
| Construction and Development Loans | 1.31 | ✓ | ||
| Commercial Real Estate | 18.23 | ✓ | ||
| Commercial and Industrial Loans | 8.92 | ✓ | ||
| Farm Loans | 0.18 | ✓ | ||
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