BlastPoint's Banking Scorecard
First National Bank
Micro
Specialty: Other
AL
FDIC cert 22271
Designations: ✓ Community bank
Hamilton, AL
2498
banks in Micro tier nationally
65 in AL
View Micro leaderboard (AL) →
First National Bank demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.27% above tier
- + Efficiency Ratio 17.88% below tier
- + Non-Interest-Bearing Deposit Share 15.19% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$370.2M
+3.9% YoY
+2.3% QoQ
|
+$152.7M |
$217.5M
+2.3% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
84% |
| Total Loans ? |
$149.6M
+1.8% YoY
+3.6% QoQ
|
+$10.4M |
$139.2M
+2.8% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
60% |
| Total Deposits ? |
$303.1M
+1.2% YoY
+1.7% QoQ
|
+$119.4M |
$183.7M
+1.8% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
82% |
| Return on Assets ? |
2.35%
+0.1% YoY
+1.2% QoQ
|
+1.27% |
1.08%
+14.7% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
Top 5% in tier |
| Net Interest Margin ? |
4.84%
+4.0% YoY
-0.2% QoQ
|
+0.98% |
3.85%
+6.6% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 12% in tier |
| Efficiency Ratio ? |
49.85%
-0.2% YoY
-1.7% QoQ
|
-17.88% |
67.73%
-4.8% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 10% in tier |
| Delinquency Rate ? |
0.24%
+4.8% YoY
+25.8% QoQ
|
-0.40% |
0.64%
+24.4% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
49.35%
+0.7% YoY
+1.8% QoQ
|
-25.18% |
74.53%
+0.5% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
Top 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
37.58%
-2.0% YoY
-3.6% QoQ
|
+15.19% |
22.39%
-1.3% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
Top 9% in tier |
| Nonperforming Asset Ratio ? |
0.10%
-5.3% YoY
-33.4% QoQ
|
-0.36% |
0.45%
+25.1% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
68% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.88%
-4.5% YoY
+30.4% QoQ
|
+0.32% |
0.56%
+0.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
Top 10% in tier |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 5%
in Micro
Why this stands out
Current:
2.35%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 10%
in Micro
Why this stands out
Current:
49.85%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Top 9%
in Micro
Why this stands out
Current:
37.58%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (0)
No concerns identified
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
95
95th pctile
Return on Assets
Current: 2.35% · Tier avg: 1.08%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 37.58% · Tier avg: 22.39%
90
90th pctile
Efficiency Ratio
Current: 49.85% · Tier avg: 67.73%
90
90th pctile
Non-Interest Income / Assets
Current: 0.88% · Tier avg: 0.56%
88
88th pctile
Loan-to-Deposit Ratio
Current: 49.35% · Tier avg: 74.53%
88
88th pctile
Net Interest Margin
Current: 4.84% · Tier avg: 3.85%
84
84th pctile
Total Assets
Current: $370.2M · Tier avg: $217.5M
82
82th pctile
Total Deposits
Current: $303.1M · Tier avg: $183.7M
68
68th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.45%
60
60th pctile
Total Loans
Current: $149.6M · Tier avg: $139.2M
59
59th pctile
Delinquency Rate
Current: 0.24% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
Top Weaknesses
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
59
59th pctile
Delinquency Rate
Current: 0.24% · Tier avg: 0.64%
60
60th pctile
Total Loans
Current: $149.6M · Tier avg: $139.2M
68
68th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.45%
82
82th pctile
Total Deposits
Current: $303.1M · Tier avg: $183.7M
84
84th pctile
Total Assets
Current: $370.2M · Tier avg: $217.5M
88
88th pctile
Net Interest Margin
Current: 4.84% · Tier avg: 3.85%
88
88th pctile
Loan-to-Deposit Ratio
Current: 49.35% · Tier avg: 74.53%
90
90th pctile
Non-Interest Income / Assets
Current: 0.88% · Tier avg: 0.56%
90
90th pctile
Efficiency Ratio
Current: 49.85% · Tier avg: 67.73%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 37.58% · Tier avg: 22.39%
95
95th pctile
Return on Assets
Current: 2.35% · Tier avg: 1.08%