BlastPoint's Banking Scorecard

AmeriFirst Bank

Micro Specialty: Commercial AL FDIC cert 2838

Designations: ✓ Community bank

Montgomery, AL

2498 banks in Micro tier nationally 65 in AL

View Micro leaderboard (AL) →

AmeriFirst Bank shows stable performance across key metrics

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

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 ?	$356.8M +6.7% YoY +0.4% QoQ	+$139.3M	$217.5M +2.3% YoY	$2.4B +1.3% YoY	$5.9B +6.5% YoY	81%
Total Loans ?	$273.2M +4.9% YoY +4.4% QoQ	+$134.0M	$139.2M +2.8% YoY	$1.5B -0.1% YoY	$3.1B +8.5% YoY	Top 12% in tier
Total Deposits ?	$319.6M +6.8% YoY +0.6% QoQ	+$136.0M	$183.7M +1.8% YoY	$2.0B +1.3% YoY	$4.7B +6.3% YoY	85%
Return on Assets ?	1.18% +6.6% YoY -2.0% QoQ	+0.09%	1.08% +14.7% YoY	1.11% +4.4% YoY	1.12% +15.6% YoY	57%
Net Interest Margin ?	4.48% +4.2% YoY +0.5% QoQ	+0.63%	3.85% +6.6% YoY	3.94% +3.2% YoY	3.75% +7.1% YoY	79%
Efficiency Ratio ?	59.44% -4.6% YoY -0.1% QoQ	-8.29%	67.73% -4.8% YoY	64.78% -3.4% YoY	65.09% -5.1% YoY	69%
Delinquency Rate ?	0.14% -77.2% YoY +16.4% QoQ	-0.50%	0.64% +24.4% YoY	0.66% -12.1% YoY	0.66% +20.3% YoY	67%
Loan-to-Deposit Ratio ?	85.48% -1.7% YoY +3.8% QoQ	+10.95%	74.53% +0.5% YoY	68.23% +2.7% YoY	78.04% +0.7% YoY	32%
Non-Interest-Bearing Deposit Share ?	19.27% -5.8% YoY -4.4% QoQ	-3.12%	22.39% -1.3% YoY	24.36% +3.3% YoY	21.79% -1.3% YoY	39%
Nonperforming Asset Ratio ?	0.52% +7.2% YoY +6.8% QoQ	+0.07%	0.45% +25.1% YoY	0.53% +14.0% YoY	0.48% +20.8% YoY	36%
Tier 1 Capital Ratio ?	11.33% -2.3% YoY -4.8% QoQ	+2.48%	8.85% -3.4% YoY	6.46% -12.3% YoY	9.75% -1.9% YoY	56%
Non-Interest Income / Assets ?	0.35% +2.0% YoY +31.8% QoQ	-0.21%	0.56% +0.3% YoY	0.77% +11.5% YoY	0.65% +0.6% YoY	49%

Signature Analysis

Strengths (0)

No strengths identified

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%

Compare against:

Comparing against 2498 peers in Micro tier

Top Strengths

Total Loans

Current: $273.2M · Tier avg: $139.2M

88th pctile

Total Deposits

Current: $319.6M · Tier avg: $183.7M

85th pctile

Total Assets

Current: $356.8M · Tier avg: $217.5M

81th pctile

Net Interest Margin

Current: 4.48% · Tier avg: 3.85%

79th pctile

Efficiency Ratio

Current: 59.44% · Tier avg: 67.73%

69th pctile

Delinquency Rate

Current: 0.14% · Tier avg: 0.64%

67th pctile

Return on Assets

Current: 1.18% · Tier avg: 1.08%

57th pctile

Tier 1 Capital Ratio

Current: 11.33% · Tier avg: 8.85%

56th pctile

Non-Interest Income / Assets

Current: 0.35% · Tier avg: 0.56%

49th pctile

Non-Interest-Bearing Deposit Share

Current: 19.27% · Tier avg: 22.39%

39th pctile

Nonperforming Asset Ratio

Current: 0.52% · Tier avg: 0.45%

36th pctile

Loan-to-Deposit Ratio

Current: 85.48% · Tier avg: 74.53%

32th pctile

Top Weaknesses