Upper Alabama River Mitigation Bank
Lowndes County, Alabama
The Upper Alabama River Mitigation Bank (UARMB) is a prospectus-stage stream mitigation bank opportunity located on a 154.76-acre site in Lowndes County, Alabama. Land is not included in this opportunity; this listing is for the mitigation rights and associated credit revenue only. The prospectus was submitted to the USACE Mobile District Interagency Review Team on October 31, 2025. The bank is currently pending IRT review and execution of the formal Banking Instrument; credit sales will commence upon regulatory approval.
The bank is positioned to provide compensatory stream mitigation credits for projects permitted under Sections 401 and 404 of the Clean Water Act and Section 10 of the Rivers and Harbors Act within the Upper Alabama River Watershed.
The bank is positioned to provide compensatory stream mitigation credits for projects permitted under Sections 401 and 404 of the Clean Water Act and Section 10 of the Rivers and Harbors Act within the Upper Alabama River Watershed.
Within the Upper Alabama River Watershed, there are historically 13,500 stream credits sold a year (on average).
Pricing is approx. $175/credit; therefore, there is an estimated $2.3M revenue of credits yearly with an estimated sell out in 13 years; with a total revenue of 37 Million.
Check out the mitigation bank ledgers for Red Eagle Mitigation Bank & McLemore Mitigation Bank; which also provide mitigation credits within the same service area.
Key Highlights
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Location: Lowndes County, Alabama (Southwest of Montgomery)
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Total Acreage: 154.76 acres
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Land Included: No — this opportunity conveys mitigation rights and credit sale proceeds only
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Mitigation Type: Stream Mitigation Bank
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Watershed: Upper Alabama River — HUC 03150201 (Fort Deposit Creek)
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Permitting Status: Prospectus submitted to USACE Mobile District, October 31, 2025 — Pending IRT Review & Bank Instrument Approval
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Sponsor: Hollingsworth Farms, LLC (Principal: Jim and Toni Hollingsworth)
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Prepared By: BioResources, LLC & Meanders River Restoration, Inc.
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Historic Annual Absorption: 13,543 stream credits sold a year
Note: This bank is currently in the regulatory approval process. The prospectus has been submitted to the USACE Mobile District Interagency Review Team; the Banking Instrument has not yet been executed. Investment inquiries are welcome at this stage. Contact Victoria Bruce for details.
Credit Potential
- Phase 1 Total Potential Credits: 172,170 stream credits (15,990 linear feet)
- Phase 1A: 84,276 credits (7,240 LF)
- Phase 1B: 87,894 credits (8,750 LF)
- Phase 2 Potential Credits: 168,000 additional credits (not included in current pro forma)
- Projected Total Revenue (Phase 1): $36,570,450
- Projected Net Profit (Phase 1): $34,013,201
- Credit Pricing: Starting at $165/credit, escalating to $285/credit over the project life
- Projected Annual Sales: 10,000 credits/year
For a full breakdown of the project’s financial structure, credit release schedule, and documented market demand, read our in-depth analysis of the Upper Alabama River Mitigation Bank.
Site Overview
The bank site has a documented agricultural history of stream channelization, pine silviculture, and land disturbance — conditions that create significant opportunity for ecological lift. Priority 1 restoration will target approximately 13,597 linear feet of impaired, incised stream channels across five stream systems, restoring them to stable Rosgen E-type channels with connected floodplains and riparian hardwood buffers.
Restoration activities include in-stream channel reconstruction, removal of invasive species and planted pines, and native hardwood planting across 154.76 acres of riparian upland and wetland buffers.
A conservation easement will permanently protect the restored bank site in perpetuity.
Market Drivers
- Consistent historical credit demand from ALDOT, Alabama Power, Auburn University, and regional developers — with 386 recorded transactions on the neighboring McLemore Mitigation Bank dating back to 2002
- Maxwell AFB and Infrastructure Bill projects anticipated to generate significant near-term credit needs
- Mining violations and new mining applications in the region expected to produce retroactive and forward credit sales
- Phase 2 development potential adds significant long-term upside beyond the current pro forma
The Present Day Value with a 18% discount rate is $9.2 Million, and there is also a Phase II, untouched.
They want to sell the mitigation bank. It is a pending MBI. They have run out of funds to keep the permitting process moving along.
The $700k would provide a partnership to get the MBI, and then the funder can actually purchase the bank, sell the bank, and/or sell credits- as agreed upon in their JV agreement when the MBI is issued.
The project is sponsored by Hollingsworth Farms, LLC (principal: Jim and Toni Hollingsworth) and managed by The Mitigation Banking Group, Inc., led by CEO Victoria Bruce, serving as mitigation consultant.
