Oakworth Capital Bank
Oakworth Capital Bank is an FDIC insured institution headquartered at
850 Shades Creek Pkwy, Birmingham, AL 35209.
It was founded in
2008 and has approximately $2 billion in
assets. Customers can open an account at one of its 3 branches.
Deposit Rates - June 2, 2024
SAVINGS RATES | APY | MIN | |
---|---|---|---|
Savings
|
0.10% | $2,500 | Compare |
CD RATES | APY | MIN | |
---|---|---|---|
6 Mo CD
|
0.25% | $10,000 | Compare |
6 Mo CD
|
0.25% | $100,000 | Compare |
12 Mo CD
|
0.25% | $10,000 | Compare |
12 Mo CD
|
0.25% | $100,000 | Compare |
18 Mo CD
|
0.25% | $10,000 | Compare |
18 Mo CD
|
0.25% | $100,000 | Compare |
MM RATES | APY | MIN | |
---|---|---|---|
Money Market
|
0.20% | $10,000 | Compare |
Money Market
|
0.20% | $25,000 | Compare |
FIXED IRA RATES | APY | MIN |
---|---|---|
Fixed IRA
|
0.25% | $1 |
VARIABLE IRA RATES | APY | MIN |
---|---|---|
Var IRA
|
0.25% | $1 |
INT CHECKING RATES | APY | MIN |
---|---|---|
Int Ckg
|
0.10% | $2,500 |
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Overview 2024
General Bank Information
FDIC Insured | Yes |
FDIC Certificate | # 58783 |
Date Established | 2008 |
Assets | $ 1,604.24 million |
Loans | $ 1,229.48 million |
Deposits | $ 1,446.50 million |
Capital | $ 133.24 million |
Summary Balance Sheet as of June 30, 2023
ASSETS | |
Cash & Balances due from depository institutions | $ 159.48 million |
Interest-bearing balances | $ 148.43 million |
Total securities | $ 143.95 million |
Federal funds sold and reverse repurchase | $ 3.93 million |
Net loans and leases | $ 1,229.48 million |
Loan loss allowance | $ 14.65 million |
Trading account assets | $ 1.90 million |
Bank premises and fixed assets | N.A. |
Other real estate owned | N.A. |
Goodwill and other intangibles | N.A. |
All other assets | $ 30.28 million |
Total Assets | $ 1,471.00 million |
LIABILITIES | |
Total deposits | $ 1,446.50 million |
Interest-bearing deposits | $ 1,103.36 million |
Deposits held in domestic offices | $ 1,446.50 million |
% insured (estimated) | 37.83% |
Federal funds purchased and repurchase agreements | N.A. |
Trading liabilities | $ 1.90 million |
Other borrowed funds | N.A. |
Subordinated debt | N.A. |
All other liabilities | $ 14.00 millionn |
Total Liabilities | $ 1,471.00 million |
Shareholders’ Equity | $ 133.24 million |
Summary Income Statement as of June 30, 2023
INCOME AND EXPENSES | |
Total Interest Income | $ 82.18 million |
Total Interest Expense | $ 34.33 million |
Net interest income | $ 47.85 million |
Provision for loan and lease losses | $ 12.68 million |
Total non interest income | $ 14.16 million |
Total non interest expense | $ 40.95 million |
Pre-tax Net Operating Income | $ 6.63 million |
Customer Reviews for Oakworth Capital Bank
Branches
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Your current location is: Columbus, OH
Oakworth Capital Bank Locations
Savings Comparison
This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.
PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES
Tax Rate: 30%
All calculations are for demonstration purposes only.
- 1LOCAL SAVINGSBankALABAMA$50,000N.A.0.10%0.46x (National Avg. - 0.22%)$2,500-SCENARIO
Year Rate
0.10%Annual
InterestAnnual Interest
(After Tax)1 50,000 50 35 2 50,050 50 35 3 50,100 50 35 4 50,150 50 35 5 50,200 50 35 6 50,251 50 35 7 50,301 50 35 8 50,351 50 35 9 50,401 50 35 10 50,452 50 35 11 50,502 51 35 12 50,553 51 35 13 50,603 51 35 14 50,654 51 35 15 50,705 51 35 16 50,755 51 36 17 50,806 51 36 18 50,857 51 36 19 50,908 51 36 20 50,959 51 36 TOTAL $1,010 $707 - 2LOCAL SAVINGSBank-$50,000N.A.5.30%24.31x (National Avg. - 0.22%)$0-SCENARIO
Year Rate
5.30%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,650 1,855 2 52,650 2,790 1,953 3 55,440 2,938 2,057 4 58,379 3,094 2,166 5 61,473 3,258 2,281 6 64,731 3,431 2,402 7 68,162 3,613 2,529 8 71,774 3,804 2,663 9 75,578 4,006 2,804 10 79,584 4,218 2,953 11 83,802 4,441 3,109 12 88,243 4,677 3,274 13 92,920 4,925 3,447 14 97,845 5,186 3,630 15 103,031 5,461 3,822 16 108,491 5,750 4,025 17 114,242 6,055 4,238 18 120,296 6,376 4,463 19 126,672 6,714 4,700 20 133,386 7,069 4,949 TOTAL $90,455 $63,319 - 3ONLINE SAVINGSOnline Bank-$50,000N.A.4.50%20.64x (National Avg. - 0.22%)$1-SCENARIO
Year Rate
4.50%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,250 1,575 2 52,250 2,351 1,646 3 54,601 2,457 1,720 4 57,058 2,568 1,797 5 59,626 2,683 1,878 6 62,309 2,804 1,963 7 65,113 2,930 2,051 8 68,043 3,062 2,143 9 71,105 3,200 2,240 10 74,305 3,344 2,341 11 77,648 3,494 2,446 12 81,143 3,651 2,556 13 84,794 3,816 2,671 14 88,610 3,987 2,791 15 92,597 4,167 2,917 16 96,764 4,354 3,048 17 101,119 4,550 3,185 18 105,669 4,755 3,329 19 110,424 4,969 3,478 20 115,393 5,193 3,635 TOTAL $70,586 $49,410
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