BlastPoint's Banking Scorecard
Dozier Bank
Micro
Specialty: Commercial
AL
FDIC cert 2794
Designations: ✓ Community bank
Dozier, AL
2498
banks in Micro tier nationally
65 in AL
View Micro leaderboard (AL) →
Dozier Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.84% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$54.5M
-1.2% YoY
+2.7% QoQ
|
-$163.0M |
$217.5M
+2.3% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 8% in tier |
| Total Loans ? |
$21.8M
+2.2% YoY
-0.5% QoQ
|
-$117.4M |
$139.2M
+2.8% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
Bottom 7% in tier |
| Total Deposits ? |
$40.3M
-3.7% YoY
+2.9% QoQ
|
-$143.4M |
$183.7M
+1.8% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 7% in tier |
| Return on Assets ? |
1.01%
+11.9% YoY
-2.4% QoQ
|
-0.08% |
1.08%
+14.7% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
46% |
| Net Interest Margin ? |
3.22%
+1.3% YoY
-1.0% QoQ
|
-0.64% |
3.85%
+6.6% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
23% |
| Efficiency Ratio ? |
56.82%
-0.1% YoY
+1.4% QoQ
|
-10.91% |
67.73%
-4.8% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
76% |
| Delinquency Rate ? |
3.48%
+315.3% YoY
|
+2.84% |
0.64%
+24.4% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
54.17%
+6.1% YoY
-3.3% QoQ
|
-20.36% |
74.53%
+0.5% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
30.52%
+7.3% YoY
+4.8% QoQ
|
+8.12% |
22.39%
-1.3% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
80% |
| Nonperforming Asset Ratio ? |
1.39%
+66.5% YoY
|
+0.94% |
0.45%
+25.1% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
Bottom 13% 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 ? |
0.25%
+30.2% YoY
+17.6% QoQ
|
-0.31% |
0.56%
+0.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
32% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.48%
(Tier avg: 0.64%, National avg: 0.66%)
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
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 30.52% · Tier avg: 22.39%
76
76th pctile
Efficiency Ratio
Current: 56.82% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.08%
32
32th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
23
23th pctile
Net Interest Margin
Current: 3.22% · Tier avg: 3.85%
17
17th pctile
Loan-to-Deposit Ratio
Current: 54.17% · Tier avg: 74.53%
13
13th pctile
Nonperforming Asset Ratio
Current: 1.39% · Tier avg: 0.45%
8
8th pctile
Total Assets
Current: $54.5M · Tier avg: $217.5M
7
7th pctile
Total Loans
Current: $21.8M · Tier avg: $139.2M
7
7th pctile
Total Deposits
Current: $40.3M · Tier avg: $183.7M
0
0th pctile
Delinquency Rate
Current: 3.48% · Tier avg: 0.64%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 3.48% · Tier avg: 0.64%
7
7th pctile
Total Deposits
Current: $40.3M · Tier avg: $183.7M
7
7th pctile
Total Loans
Current: $21.8M · Tier avg: $139.2M
8
8th pctile
Total Assets
Current: $54.5M · Tier avg: $217.5M
13
13th pctile
Nonperforming Asset Ratio
Current: 1.39% · Tier avg: 0.45%
17
17th pctile
Loan-to-Deposit Ratio
Current: 54.17% · Tier avg: 74.53%
23
23th pctile
Net Interest Margin
Current: 3.22% · Tier avg: 3.85%
32
32th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
46
46th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
76
76th pctile
Efficiency Ratio
Current: 56.82% · Tier avg: 67.73%
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 30.52% · Tier avg: 22.39%