BlastPoint's Banking Scorecard
First Bank of Alabama
Community
Specialty: Commercial
AL
FDIC cert 2832
Talladega, AL
1484
banks in Community tier nationally
26 in AL
View Community leaderboard (AL) →
First Bank of Alabama has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 22% in Community
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.80% above tier
- - Nonperforming Asset Ratio 1.65% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+5.5% YoY
+7.0% QoQ
|
-$187.7M |
$1.4B
+2.0% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
60% |
| Total Loans ? |
$708.8M
+2.2% YoY
-2.4% QoQ
|
-$266.7M |
$975.5M
+2.4% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
50% |
| Total Deposits ? |
$1.1B
+2.8% YoY
+8.0% QoQ
|
-$87.1M |
$1.2B
+1.7% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
63% |
| Return on Assets ? |
1.64%
+6.4% YoY
-15.9% QoQ
|
+0.48% |
1.16%
+17.2% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
80% |
| Net Interest Margin ? |
4.10%
+7.8% YoY
+0.7% QoQ
|
+0.43% |
3.66%
+9.1% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
74% |
| Efficiency Ratio ? |
47.88%
-10.6% YoY
+11.1% QoQ
|
-14.76% |
62.63%
-5.3% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 13% in tier |
| Delinquency Rate ? |
3.43%
+38.7% YoY
+266.6% QoQ
|
+2.80% |
0.63%
+18.3% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
65.78%
-0.6% YoY
-9.7% QoQ
|
-17.28% |
83.06%
+0.3% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
Top 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.22%
+65.4% YoY
+1.0% QoQ
|
-2.83% |
21.05%
-0.9% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
40% |
| Nonperforming Asset Ratio ? |
2.15%
+42.7% YoY
+190.2% QoQ
|
+1.65% |
0.50%
+20.3% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
Bottom 5% in tier |
| Tier 1 Capital Ratio ? |
13.95%
+8.8% YoY
+2.0% QoQ
|
+3.71% |
10.24%
-0.6% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
68% |
| Non-Interest Income / Assets ? |
1.47%
+41.2% YoY
-2.4% QoQ
|
+0.73% |
0.74%
-1.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
Top 7% in tier |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#81 of 371 · Top 22% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.47%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.64%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
3.43%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 5%
in Community
Why this stands out
Current:
2.15%
(Tier avg: 0.50%, National avg: 0.48%)
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
93
93th pctile
Non-Interest Income / Assets
Current: 1.47% · Tier avg: 0.74%
87
87th pctile
Efficiency Ratio
Current: 47.88% · Tier avg: 62.63%
86
86th pctile
Loan-to-Deposit Ratio
Current: 65.78% · Tier avg: 83.06%
80
80th pctile
Return on Assets
Current: 1.64% · Tier avg: 1.16%
74
74th pctile
Net Interest Margin
Current: 4.10% · Tier avg: 3.66%
68
68th pctile
Tier 1 Capital Ratio
Current: 13.95% · Tier avg: 10.24%
63
63th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
60
60th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
50
50th pctile
Total Loans
Current: $708.8M · Tier avg: $975.5M
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 18.22% · Tier avg: 21.05%
5
5th pctile
Nonperforming Asset Ratio
Current: 2.15% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 3.43% · Tier avg: 0.63%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 3.43% · Tier avg: 0.63%
5
5th pctile
Nonperforming Asset Ratio
Current: 2.15% · Tier avg: 0.50%
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 18.22% · Tier avg: 21.05%
50
50th pctile
Total Loans
Current: $708.8M · Tier avg: $975.5M
60
60th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
63
63th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
68
68th pctile
Tier 1 Capital Ratio
Current: 13.95% · Tier avg: 10.24%
74
74th pctile
Net Interest Margin
Current: 4.10% · Tier avg: 3.66%
80
80th pctile
Return on Assets
Current: 1.64% · Tier avg: 1.16%
86
86th pctile
Loan-to-Deposit Ratio
Current: 65.78% · Tier avg: 83.06%
87
87th pctile
Efficiency Ratio
Current: 47.88% · Tier avg: 62.63%
93
93th pctile
Non-Interest Income / Assets
Current: 1.47% · Tier avg: 0.74%