BlastPoint's Banking Scorecard
First Metro Bank
Community
Specialty: Commercial
AL
FDIC cert 27381
Muscle Shoals, AL
1484
banks in Community tier nationally
26 in AL
View Community leaderboard (AL) →
First Metro Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 18.85% below tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 31% 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
+2.6% YoY
+1.2% QoQ
|
-$384.0M |
$1.4B
+2.0% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
50% |
| Total Loans ? |
$581.0M
+3.2% YoY
+1.1% QoQ
|
-$394.5M |
$975.5M
+2.4% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
39% |
| Total Deposits ? |
$893.4M
+0.5% YoY
+1.1% QoQ
|
-$271.2M |
$1.2B
+1.7% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
53% |
| Return on Assets ? |
1.71%
+7.0% YoY
+1.5% QoQ
|
+0.55% |
1.16%
+17.2% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
84% |
| Net Interest Margin ? |
3.84%
+2.9% YoY
+0.6% QoQ
|
+0.18% |
3.66%
+9.1% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
62% |
| Efficiency Ratio ? |
43.79%
+1.1% YoY
-0.2% QoQ
|
-18.85% |
62.63%
-5.3% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 8% in tier |
| Delinquency Rate ? |
0.10%
-58.8% YoY
-5.6% QoQ
|
-0.53% |
0.63%
+18.3% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
82% |
| Loan-to-Deposit Ratio ? |
65.03%
+2.6% YoY
-0.1% QoQ
|
-18.03% |
83.06%
+0.3% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
Top 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.17%
+472.0% YoY
-2.6% QoQ
|
-5.88% |
21.05%
-0.9% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
26% |
| Nonperforming Asset Ratio ? |
0.09%
-31.9% YoY
-3.5% QoQ
|
-0.41% |
0.50%
+20.3% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
80% |
| 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 ? |
0.42%
-6.8% YoY
+31.2% QoQ
|
-0.32% |
0.74%
-1.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
38% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 8%
in Community
Why this stands out
Current:
43.79%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (1)
Capital Thin
risk
#136 of 432 · Bottom 31% 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 declining
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
92
92th pctile
Efficiency Ratio
Current: 43.79% · Tier avg: 62.63%
86
86th pctile
Loan-to-Deposit Ratio
Current: 65.03% · Tier avg: 83.06%
84
84th pctile
Return on Assets
Current: 1.71% · Tier avg: 1.16%
82
82th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.63%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
62
62th pctile
Net Interest Margin
Current: 3.84% · Tier avg: 3.66%
53
53th pctile
Total Deposits
Current: $893.4M · Tier avg: $1.2B
50
50th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
39
39th pctile
Total Loans
Current: $581.0M · Tier avg: $975.5M
38
38th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 15.17% · Tier avg: 21.05%
Top Weaknesses
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 15.17% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
38
38th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.74%
39
39th pctile
Total Loans
Current: $581.0M · Tier avg: $975.5M
50
50th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
53
53th pctile
Total Deposits
Current: $893.4M · Tier avg: $1.2B
62
62th pctile
Net Interest Margin
Current: 3.84% · Tier avg: 3.66%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
82
82th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.63%
84
84th pctile
Return on Assets
Current: 1.71% · Tier avg: 1.16%
86
86th pctile
Loan-to-Deposit Ratio
Current: 65.03% · Tier avg: 83.06%
92
92th pctile
Efficiency Ratio
Current: 43.79% · Tier avg: 62.63%