BlastPoint's Banking Scorecard
First Bank of Boaz
Micro
Specialty: Other
AL
FDIC cert 2784
Designations: ✓ Community bank
Boaz, AL
2498
banks in Micro tier nationally
65 in AL
View Micro leaderboard (AL) →
First Bank of Boaz has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 41.09% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.14% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$238.2M
-0.8% YoY
-3.5% QoQ
|
+$20.7M |
$217.5M
+2.3% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
59% |
| Total Loans ? |
$68.2M
+7.2% YoY
+5.4% QoQ
|
-$71.0M |
$139.2M
+2.8% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
28% |
| Total Deposits ? |
$203.9M
+4.3% YoY
-4.1% QoQ
|
+$20.2M |
$183.7M
+1.8% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
61% |
| Return on Assets ? |
0.94%
+1.6% YoY
+0.7% QoQ
|
-0.14% |
1.08%
+14.7% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
42% |
| Net Interest Margin ? |
2.71%
+8.4% YoY
+0.0% QoQ
|
-1.14% |
3.85%
+6.6% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 9% in tier |
| Efficiency Ratio ? |
55.88%
-1.5% YoY
-0.0% QoQ
|
-11.85% |
67.73%
-4.8% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
79% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
33.43%
+2.8% YoY
+9.8% QoQ
|
-41.09% |
74.53%
+0.5% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
Top 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.06%
+2.4% YoY
-7.1% QoQ
|
+4.67% |
22.39%
-1.3% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
70% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| 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 ? |
0.24%
+21.1% YoY
+26.1% QoQ
|
-0.32% |
0.56%
+0.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
30% |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
33.43%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (1)
Net Interest Margin
metric
Bottom 9%
in Micro
Why this stands out
Current:
2.71%
(Tier avg: 3.85%, National avg: 3.75%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
97
97th pctile
Loan-to-Deposit Ratio
Current: 33.43% · Tier avg: 74.53%
79
79th pctile
Efficiency Ratio
Current: 55.88% · Tier avg: 67.73%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 27.06% · Tier avg: 22.39%
61
61th pctile
Total Deposits
Current: $203.9M · Tier avg: $183.7M
59
59th pctile
Total Assets
Current: $238.2M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
42
42th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.08%
30
30th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
28
28th pctile
Total Loans
Current: $68.2M · Tier avg: $139.2M
9
9th pctile
Net Interest Margin
Current: 2.71% · Tier avg: 3.85%
Top Weaknesses
9
9th pctile
Net Interest Margin
Current: 2.71% · Tier avg: 3.85%
28
28th pctile
Total Loans
Current: $68.2M · Tier avg: $139.2M
30
30th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
42
42th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
59
59th pctile
Total Assets
Current: $238.2M · Tier avg: $217.5M
61
61th pctile
Total Deposits
Current: $203.9M · Tier avg: $183.7M
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 27.06% · Tier avg: 22.39%
79
79th pctile
Efficiency Ratio
Current: 55.88% · Tier avg: 67.73%
97
97th pctile
Loan-to-Deposit Ratio
Current: 33.43% · Tier avg: 74.53%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%