BlastPoint's Banking Scorecard
North Alabama Bank
Micro
Specialty: Commercial
AL
FDIC cert 27560
Designations: ✓ Community bank
Hazel Green, AL
2498
banks in Micro tier nationally
65 in AL
View Micro leaderboard (AL) →
North Alabama Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.59% 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 ? |
$174.9M
-1.6% YoY
-3.4% QoQ
|
-$42.5M |
$217.5M
+2.3% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
45% |
| Total Loans ? |
$135.4M
-1.9% YoY
-1.2% QoQ
|
-$3.8M |
$139.2M
+2.8% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
55% |
| Total Deposits ? |
$152.4M
-2.2% YoY
-3.6% QoQ
|
-$31.3M |
$183.7M
+1.8% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
46% |
| Return on Assets ? |
1.61%
+15.2% YoY
+7.7% QoQ
|
+0.52% |
1.08%
+14.7% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
79% |
| Net Interest Margin ? |
5.44%
+6.3% YoY
+3.0% QoQ
|
+1.59% |
3.85%
+6.6% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 5% in tier |
| Efficiency Ratio ? |
58.61%
-3.8% YoY
-2.8% QoQ
|
-9.11% |
67.73%
-4.8% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
71% |
| Delinquency Rate ? |
0.55%
+156.7% YoY
+77.8% QoQ
|
-0.09% |
0.64%
+24.4% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
88.85%
+0.3% YoY
+2.5% QoQ
|
+14.32% |
74.53%
+0.5% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
25.63%
-1.6% YoY
-4.0% QoQ
|
+3.24% |
22.39%
-1.3% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.43%
+155.9% YoY
+81.8% QoQ
|
-0.02% |
0.45%
+25.1% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
41% |
| 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 ? |
0.52%
+14.6% YoY
+42.0% QoQ
|
-0.05% |
0.56%
+0.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
70% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 5%
in Micro
Why this stands out
Current:
5.44%
(Tier avg: 3.85%, National avg: 3.75%)
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
95
95th pctile
Net Interest Margin
Current: 5.44% · Tier avg: 3.85%
79
79th pctile
Return on Assets
Current: 1.61% · Tier avg: 1.08%
71
71th pctile
Efficiency Ratio
Current: 58.61% · Tier avg: 67.73%
70
70th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.56%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 25.63% · Tier avg: 22.39%
55
55th pctile
Total Loans
Current: $135.4M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Total Deposits
Current: $152.4M · Tier avg: $183.7M
45
45th pctile
Total Assets
Current: $174.9M · Tier avg: $217.5M
43
43th pctile
Delinquency Rate
Current: 0.55% · Tier avg: 0.64%
41
41th pctile
Nonperforming Asset Ratio
Current: 0.43% · Tier avg: 0.45%
25
25th pctile
Loan-to-Deposit Ratio
Current: 88.85% · Tier avg: 74.53%
Top Weaknesses
25
25th pctile
Loan-to-Deposit Ratio
Current: 88.85% · Tier avg: 74.53%
41
41th pctile
Nonperforming Asset Ratio
Current: 0.43% · Tier avg: 0.45%
43
43th pctile
Delinquency Rate
Current: 0.55% · Tier avg: 0.64%
45
45th pctile
Total Assets
Current: $174.9M · Tier avg: $217.5M
46
46th pctile
Total Deposits
Current: $152.4M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
55
55th pctile
Total Loans
Current: $135.4M · Tier avg: $139.2M
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 25.63% · Tier avg: 22.39%
70
70th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.56%
71
71th pctile
Efficiency Ratio
Current: 58.61% · Tier avg: 67.73%
79
79th pctile
Return on Assets
Current: 1.61% · Tier avg: 1.08%
95
95th pctile
Net Interest Margin
Current: 5.44% · Tier avg: 3.85%