BlastPoint's Banking Scorecard
Peoples Bank of Alabama
Community
Specialty: Commercial
AL
FDIC cert 22537
Cullman, AL
1484
banks in Community tier nationally
26 in AL
View Community leaderboard (AL) →
Peoples Bank of Alabama demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 39% in Community
- + Deposit Franchise: Top 48% in Community
- + Return on Assets 0.82% 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 ? |
$1.4B
+4.1% YoY
-1.2% QoQ
|
+$16.3M |
$1.4B
+2.0% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
67% |
| Total Loans ? |
$889.3M
+3.5% YoY
+1.4% QoQ
|
-$86.2M |
$975.5M
+2.4% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
63% |
| Total Deposits ? |
$1.3B
+2.7% YoY
-2.0% QoQ
|
+$87.9M |
$1.2B
+1.7% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
69% |
| Return on Assets ? |
1.98%
+6.8% YoY
+1.3% QoQ
|
+0.82% |
1.16%
+17.2% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
Top 10% in tier |
| Net Interest Margin ? |
4.62%
-1.1% YoY
+0.5% QoQ
|
+0.95% |
3.66%
+9.1% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 10% in tier |
| Efficiency Ratio ? |
59.84%
-2.2% YoY
-0.2% QoQ
|
-2.79% |
62.63%
-5.3% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
57% |
| Delinquency Rate ? |
0.20%
-0.8% YoY
+31.9% QoQ
|
-0.43% |
0.63%
+18.3% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
71.00%
+0.7% YoY
+3.5% QoQ
|
-12.06% |
83.06%
+0.3% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
33.77%
-4.2% YoY
-0.7% QoQ
|
+12.73% |
21.05%
-0.9% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
Top 10% in tier |
| Nonperforming Asset Ratio ? |
0.15%
+19.1% YoY
+22.7% QoQ
|
-0.35% |
0.50%
+20.3% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
70% |
| Tier 1 Capital Ratio ? |
15.77%
+7.7% YoY
+3.7% QoQ
|
+5.53% |
10.24%
-0.6% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.99%
-3.2% YoY
+35.9% QoQ
|
+0.25% |
0.74%
-1.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
Top 14% in tier |
Signature Analysis
Strengths (3)
Revenue Diversifier
growth
#147 of 371 · Top 39% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
0.99%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.98%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Deposit Franchise
growth
#73 of 150 · Top 48% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
33.77%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.62%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Top 10%
in Community
Why this stands out
Current:
1.98%
(Tier avg: 1.16%, National avg: 1.12%)
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
90
90th pctile
Return on Assets
Current: 1.98% · Tier avg: 1.16%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 33.77% · Tier avg: 21.05%
90
90th pctile
Net Interest Margin
Current: 4.62% · Tier avg: 3.66%
86
86th pctile
Non-Interest Income / Assets
Current: 0.99% · Tier avg: 0.74%
82
82th pctile
Tier 1 Capital Ratio
Current: 15.77% · Tier avg: 10.24%
79
79th pctile
Loan-to-Deposit Ratio
Current: 71.00% · Tier avg: 83.06%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.50%
70
70th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.63%
69
69th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
67
67th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
63
63th pctile
Total Loans
Current: $889.3M · Tier avg: $975.5M
57
57th pctile
Efficiency Ratio
Current: 59.84% · Tier avg: 62.63%
Top Weaknesses
57
57th pctile
Efficiency Ratio
Current: 59.84% · Tier avg: 62.63%
63
63th pctile
Total Loans
Current: $889.3M · Tier avg: $975.5M
67
67th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
69
69th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
70
70th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.63%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.50%
79
79th pctile
Loan-to-Deposit Ratio
Current: 71.00% · Tier avg: 83.06%
82
82th pctile
Tier 1 Capital Ratio
Current: 15.77% · Tier avg: 10.24%
86
86th pctile
Non-Interest Income / Assets
Current: 0.99% · Tier avg: 0.74%
90
90th pctile
Net Interest Margin
Current: 4.62% · Tier avg: 3.66%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 33.77% · Tier avg: 21.05%
90
90th pctile
Return on Assets
Current: 1.98% · Tier avg: 1.16%