Oakworth Capital Bank is a bank based in Birmingham, Alabama, established in 2008, with $2.0 billion in total assets across 4 branches. By Trust Grade it ranks 49th of 93 banks we track in Alabama. Its capital ratio of 9.1% trails most similarly sized banks (25th percentile), versus a Alabama median of 10%. It was profitable over the most recent period, with a 1.09% return on assets. No consumer complaints against Oakworth Capital Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Oakworth Capital Bank compares to Alabama peers
How we graded Oakworth Capital Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.1% capital ratio)
- Strongly profitable (ROA 1.09%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Oakworth Capital Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (4)
- 850 Shades Creek Pkwy, Birmingham, AL 35209
- 1 Saint Louis St, Mobile, AL 36602
- 5511 Virginia Way, Brentwood, TN 37027
- 6000 Fairview Road, Charlotte, NC 28210
Are deposits at Oakworth Capital Bank insured?
Yes. Oakworth Capital Bank is an FDIC-insured bank (FDIC certificate #58783). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Oakworth Capital Bank: frequently asked questions
Is Oakworth Capital Bank a good bank?
Oakworth Capital Bank earns a Bankzia Trust Grade of A (94/100, "Excellent"), based on a financial-strength score of 94/100 (it has no CFPB complaints on record). Strongly capitalized (9.1% capital ratio); Strongly profitable (ROA 1.09%).
Is Oakworth Capital Bank FDIC-insured?
Yes. Oakworth Capital Bank is a FDIC-insured bank (FDIC certificate #58783). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Oakworth Capital Bank?
Oakworth Capital Bank holds $2.0 billion in total assets, ranking 49th of 93 banks we track in Alabama. It operates 4 branches.
Does Oakworth Capital Bank have CFPB complaints?
No CFPB complaints against Oakworth Capital Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
