BlastPoint's Banking Scorecard
West Alabama Bank & Trust
Community
Specialty: Commercial
AL
FDIC cert 16175
Reform, AL
1484
banks in Community tier nationally
26 in AL
View Community leaderboard (AL) →
West Alabama Bank & Trust faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 33% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+3.0% YoY
+5.0% QoQ
|
-$390.0M |
$1.4B
+2.0% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
50% |
| Total Loans ? |
$571.7M
-2.4% YoY
-1.3% QoQ
|
-$403.8M |
$975.5M
+2.4% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
39% |
| Total Deposits ? |
$885.4M
+3.7% YoY
+7.6% QoQ
|
-$279.2M |
$1.2B
+1.7% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
52% |
| Return on Assets ? |
1.11%
+16.0% YoY
-1.7% QoQ
|
-0.06% |
1.16%
+17.2% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
48% |
| Net Interest Margin ? |
3.37%
+10.9% YoY
-0.6% QoQ
|
-0.29% |
3.66%
+9.1% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
34% |
| Efficiency Ratio ? |
58.34%
-7.1% YoY
+0.9% QoQ
|
-4.29% |
62.63%
-5.3% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
63% |
| Delinquency Rate ? |
0.46%
-49.9% YoY
-54.7% QoQ
|
-0.17% |
0.63%
+18.3% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
64.57%
-5.9% YoY
-8.3% QoQ
|
-18.50% |
83.06%
+0.3% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
Top 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
32.49%
+4.8% YoY
+31.6% QoQ
|
+11.45% |
21.05%
-0.9% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
Top 12% in tier |
| Nonperforming Asset Ratio ? |
0.77%
+1.5% YoY
-5.5% QoQ
|
+0.27% |
0.50%
+20.3% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
26% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.69%
+0.9% YoY
+48.4% QoQ
|
-0.05% |
0.74%
-1.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
69% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Capital Thin
risk
#144 of 432 · Bottom 33% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 32.49% · Tier avg: 21.05%
87
87th pctile
Loan-to-Deposit Ratio
Current: 64.57% · Tier avg: 83.06%
69
69th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.74%
63
63th pctile
Efficiency Ratio
Current: 58.34% · Tier avg: 62.63%
52
52th pctile
Total Deposits
Current: $885.4M · Tier avg: $1.2B
50
50th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
49
49th pctile
Delinquency Rate
Current: 0.46% · Tier avg: 0.63%
48
48th pctile
Return on Assets
Current: 1.11% · Tier avg: 1.16%
39
39th pctile
Total Loans
Current: $571.7M · Tier avg: $975.5M
34
34th pctile
Net Interest Margin
Current: 3.37% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.77% · Tier avg: 0.50%
Top Weaknesses
26
26th pctile
Nonperforming Asset Ratio
Current: 0.77% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
34
34th pctile
Net Interest Margin
Current: 3.37% · Tier avg: 3.66%
39
39th pctile
Total Loans
Current: $571.7M · Tier avg: $975.5M
48
48th pctile
Return on Assets
Current: 1.11% · Tier avg: 1.16%
49
49th pctile
Delinquency Rate
Current: 0.46% · Tier avg: 0.63%
50
50th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
52
52th pctile
Total Deposits
Current: $885.4M · Tier avg: $1.2B
63
63th pctile
Efficiency Ratio
Current: 58.34% · Tier avg: 62.63%
69
69th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.74%
87
87th pctile
Loan-to-Deposit Ratio
Current: 64.57% · Tier avg: 83.06%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 32.49% · Tier avg: 21.05%