BlastPoint's Banking Scorecard
22nd State Banking Company
Micro
Specialty: Commercial
AL
FDIC cert 16910
Designations: ✓ Community bank
Mobile, AL
2498
banks in Micro tier nationally
65 in AL
View Micro leaderboard (AL) →
22nd State Banking Company has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 3.46% above tier
- + Non-Interest Income / Assets 3.03% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 3.71% above tier
- - Nonperforming Asset Ratio 2.90% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$272.8M
-17.7% YoY
-2.6% QoQ
|
+$55.3M |
$217.5M
+2.3% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
67% |
| Total Loans ? |
$210.0M
-19.0% YoY
+2.4% QoQ
|
+$70.8M |
$139.2M
+2.8% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
76% |
| Total Deposits ? |
$223.4M
-23.8% YoY
-3.6% QoQ
|
+$39.8M |
$183.7M
+1.8% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
65% |
| Return on Assets ? |
1.79%
+99.0% YoY
-38.6% QoQ
|
+0.71% |
1.08%
+14.7% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
85% |
| Net Interest Margin ? |
7.31%
+17.3% YoY
+1.3% QoQ
|
+3.46% |
3.85%
+6.6% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
68.99%
-12.4% YoY
+6.2% QoQ
|
+1.26% |
67.73%
-4.8% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
43% |
| Delinquency Rate ? |
4.35%
+117.1% YoY
-17.4% QoQ
|
+3.71% |
0.64%
+24.4% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
94.00%
+6.2% YoY
+6.2% QoQ
|
+19.47% |
74.53%
+0.5% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
26.77%
+6.3% YoY
+5.0% QoQ
|
+4.38% |
22.39%
-1.3% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
70% |
| Nonperforming Asset Ratio ? |
3.35%
+113.7% YoY
-13.2% QoQ
|
+2.90% |
0.45%
+25.1% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
14.08%
+37.7% YoY
-2.9% QoQ
|
+5.23% |
8.85%
-3.4% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
69% |
| Non-Interest Income / Assets ? |
3.59%
+311.9% YoY
+29.2% QoQ
|
+3.03% |
0.56%
+0.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
Top 2% in tier |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 1%
in Micro
Why this stands out
Current:
7.31%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Top 2%
in Micro
Why this stands out
Current:
3.59%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
4.35%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.35%
(Tier avg: 0.45%, National avg: 0.48%)
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
100
100th pctile
Net Interest Margin
Current: 7.31% · Tier avg: 3.85%
98
98th pctile
Non-Interest Income / Assets
Current: 3.59% · Tier avg: 0.56%
85
85th pctile
Return on Assets
Current: 1.79% · Tier avg: 1.08%
76
76th pctile
Total Loans
Current: $210.0M · Tier avg: $139.2M
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 26.77% · Tier avg: 22.39%
69
69th pctile
Tier 1 Capital Ratio
Current: 14.08% · Tier avg: 8.85%
67
67th pctile
Total Assets
Current: $272.8M · Tier avg: $217.5M
65
65th pctile
Total Deposits
Current: $223.4M · Tier avg: $183.7M
43
43th pctile
Efficiency Ratio
Current: 68.99% · Tier avg: 67.73%
16
16th pctile
Loan-to-Deposit Ratio
Current: 94.00% · Tier avg: 74.53%
0
0th pctile
Delinquency Rate
Current: 4.35% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.35% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.35% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 4.35% · Tier avg: 0.64%
16
16th pctile
Loan-to-Deposit Ratio
Current: 94.00% · Tier avg: 74.53%
43
43th pctile
Efficiency Ratio
Current: 68.99% · Tier avg: 67.73%
65
65th pctile
Total Deposits
Current: $223.4M · Tier avg: $183.7M
67
67th pctile
Total Assets
Current: $272.8M · Tier avg: $217.5M
69
69th pctile
Tier 1 Capital Ratio
Current: 14.08% · Tier avg: 8.85%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 26.77% · Tier avg: 22.39%
76
76th pctile
Total Loans
Current: $210.0M · Tier avg: $139.2M
85
85th pctile
Return on Assets
Current: 1.79% · Tier avg: 1.08%
98
98th pctile
Non-Interest Income / Assets
Current: 3.59% · Tier avg: 0.56%
100
100th pctile
Net Interest Margin
Current: 7.31% · Tier avg: 3.85%