BlastPoint's Banking Scorecard
First State Bank of DeKalb County
Micro
Specialty: Other
AL
FDIC cert 23815
Designations: ✓ Community bank
Fort Payne, AL
2498
banks in Micro tier nationally
65 in AL
View Micro leaderboard (AL) →
First State Bank of DeKalb County demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.18% above tier
- + Net Interest Margin 1.68% above tier
- + Efficiency Ratio 25.43% below tier
- + Tier 1 Capital Ratio 14.10% 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 ? |
$355.8M
+3.3% YoY
+4.7% QoQ
|
+$138.3M |
$217.5M
+2.3% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
81% |
| Total Loans ? |
$190.7M
+8.0% YoY
-2.0% QoQ
|
+$51.5M |
$139.2M
+2.8% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
71% |
| Total Deposits ? |
$304.4M
+2.1% YoY
+6.4% QoQ
|
+$120.7M |
$183.7M
+1.8% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
82% |
| Return on Assets ? |
2.26%
+6.5% YoY
-3.8% QoQ
|
+1.18% |
1.08%
+14.7% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
Top 6% in tier |
| Net Interest Margin ? |
5.53%
-0.3% YoY
-1.6% QoQ
|
+1.68% |
3.85%
+6.6% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 4% in tier |
| Efficiency Ratio ? |
42.29%
-2.3% YoY
+4.3% QoQ
|
-25.43% |
67.73%
-4.8% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 3% in tier |
| Delinquency Rate ? |
1.49%
-31.1% YoY
+6.3% QoQ
|
+0.85% |
0.64%
+24.4% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
62.65%
+5.8% YoY
-7.9% QoQ
|
-11.88% |
74.53%
+0.5% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
36.06%
+4.6% YoY
+1.4% QoQ
|
+13.67% |
22.39%
-1.3% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
Top 11% in tier |
| Nonperforming Asset Ratio ? |
0.84%
-38.6% YoY
-0.8% QoQ
|
+0.39% |
0.45%
+25.1% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
24% |
| Tier 1 Capital Ratio ? |
22.95%
+8.2% YoY
+1.3% QoQ
|
+14.10% |
8.85%
-3.4% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
Top 9% in tier |
| Non-Interest Income / Assets ? |
0.35%
+3.9% YoY
+27.4% QoQ
|
-0.21% |
0.56%
+0.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
48% |
Signature Analysis
Strengths (4)
Return on Assets
metric
Top 6%
in Micro
Why this stands out
Current:
2.26%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 4%
in Micro
Why this stands out
Current:
5.53%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
42.29%
(Tier avg: 67.73%, National avg: 65.09%)
Tier 1 Capital Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
22.95%
(Tier avg: 8.85%, National avg: 9.75%)
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
97
97th pctile
Efficiency Ratio
Current: 42.29% · Tier avg: 67.73%
96
96th pctile
Net Interest Margin
Current: 5.53% · Tier avg: 3.85%
94
94th pctile
Return on Assets
Current: 2.26% · Tier avg: 1.08%
91
91th pctile
Tier 1 Capital Ratio
Current: 22.95% · Tier avg: 8.85%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 36.06% · Tier avg: 22.39%
82
82th pctile
Total Deposits
Current: $304.4M · Tier avg: $183.7M
81
81th pctile
Total Assets
Current: $355.8M · Tier avg: $217.5M
73
73th pctile
Loan-to-Deposit Ratio
Current: 62.65% · Tier avg: 74.53%
71
71th pctile
Total Loans
Current: $190.7M · Tier avg: $139.2M
48
48th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.56%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.84% · Tier avg: 0.45%
19
19th pctile
Delinquency Rate
Current: 1.49% · Tier avg: 0.64%
Top Weaknesses
19
19th pctile
Delinquency Rate
Current: 1.49% · Tier avg: 0.64%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.84% · Tier avg: 0.45%
48
48th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.56%
71
71th pctile
Total Loans
Current: $190.7M · Tier avg: $139.2M
73
73th pctile
Loan-to-Deposit Ratio
Current: 62.65% · Tier avg: 74.53%
81
81th pctile
Total Assets
Current: $355.8M · Tier avg: $217.5M
82
82th pctile
Total Deposits
Current: $304.4M · Tier avg: $183.7M
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 36.06% · Tier avg: 22.39%
91
91th pctile
Tier 1 Capital Ratio
Current: 22.95% · Tier avg: 8.85%
94
94th pctile
Return on Assets
Current: 2.26% · Tier avg: 1.08%
96
96th pctile
Net Interest Margin
Current: 5.53% · Tier avg: 3.85%
97
97th pctile
Efficiency Ratio
Current: 42.29% · Tier avg: 67.73%