BlastPoint's Banking Scorecard
Amory First Savings And Loan Bank, Ssb
Micro
Specialty: Mortgage
MS
FDIC cert 28949
Designations: ✓ Community bank
Amory, MS
2498
banks in Micro tier nationally
31 in MS
View Micro leaderboard (MS) →
Amory First Savings And Loan Bank, Ssb faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.32% below tier
- - Non-Interest-Bearing Deposit Share 22.39% below tier
- - Non-Interest Income / Assets 0.51% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$75.5M
+6.2% YoY
+0.3% QoQ
|
-$142.0M |
$217.5M
+2.3% YoY
|
$2.2B
+10.7% YoY
|
$5.9B
+6.5% YoY
|
Bottom 14% in tier |
| Total Loans ? |
$60.0M
+21.8% YoY
+2.2% QoQ
|
-$79.2M |
$139.2M
+2.8% YoY
|
$1.5B
+12.2% YoY
|
$3.1B
+8.5% YoY
|
25% |
| Total Deposits ? |
$65.5M
+6.7% YoY
+0.3% QoQ
|
-$118.2M |
$183.7M
+1.8% YoY
|
$1.9B
+9.4% YoY
|
$4.7B
+6.3% YoY
|
16% |
| Return on Assets ? |
0.33%
-4.5% YoY
+26.0% QoQ
|
-0.75% |
1.08%
+14.7% YoY
|
1.01%
-3.5% YoY
|
1.12%
+15.6% YoY
|
Bottom 13% in tier |
| Net Interest Margin ? |
2.54%
+30.8% YoY
+4.7% QoQ
|
-1.32% |
3.85%
+6.6% YoY
|
3.89%
+5.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 6% in tier |
| Efficiency Ratio ? |
83.71%
-1.5% YoY
-1.5% QoQ
|
+15.99% |
67.73%
-4.8% YoY
|
68.70%
-1.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 15% in tier |
| Delinquency Rate ? |
0.75%
+16.4% YoY
-9.8% QoQ
|
+0.11% |
0.64%
+24.4% YoY
|
0.98%
+32.9% YoY
|
0.66%
+20.3% YoY
|
36% |
| Loan-to-Deposit Ratio ? |
91.57%
+14.1% YoY
+1.9% QoQ
|
+17.05% |
74.53%
+0.5% YoY
|
71.82%
+2.7% YoY
|
78.04%
+0.7% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -22.39% |
22.39%
-1.3% YoY
|
23.43%
+1.6% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
0.59%
+33.4% YoY
-8.1% QoQ
|
+0.14% |
0.45%
+25.1% YoY
|
0.61%
+16.2% YoY
|
0.48%
+20.8% YoY
|
33% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
6.62%
-3.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.05%
-89.9% YoY
-23.6% QoQ
|
-0.51% |
0.56%
+0.3% YoY
|
0.73%
-13.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 3% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Net Interest Margin
metric
Bottom 6%
in Micro
Why this stands out
Current:
2.54%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 3%
in Micro
Why this stands out
Current:
0.05%
(Tier avg: 0.56%, National avg: 0.65%)
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
Loan-to-Deposit Ratio
Current: 91.57% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
36
36th pctile
Delinquency Rate
Current: 0.75% · Tier avg: 0.64%
33
33th pctile
Nonperforming Asset Ratio
Current: 0.59% · Tier avg: 0.45%
25
25th pctile
Total Loans
Current: $60.0M · Tier avg: $139.2M
16
16th pctile
Total Deposits
Current: $65.5M · Tier avg: $183.7M
15
15th pctile
Efficiency Ratio
Current: 83.71% · Tier avg: 67.73%
14
14th pctile
Total Assets
Current: $75.5M · Tier avg: $217.5M
13
13th pctile
Return on Assets
Current: 0.33% · Tier avg: 1.08%
6
6th pctile
Net Interest Margin
Current: 2.54% · Tier avg: 3.85%
3
3th pctile
Non-Interest Income / Assets
Current: 0.05% · Tier avg: 0.56%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
Top Weaknesses
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
3
3th pctile
Non-Interest Income / Assets
Current: 0.05% · Tier avg: 0.56%
6
6th pctile
Net Interest Margin
Current: 2.54% · Tier avg: 3.85%
13
13th pctile
Return on Assets
Current: 0.33% · Tier avg: 1.08%
14
14th pctile
Total Assets
Current: $75.5M · Tier avg: $217.5M
15
15th pctile
Efficiency Ratio
Current: 83.71% · Tier avg: 67.73%
16
16th pctile
Total Deposits
Current: $65.5M · Tier avg: $183.7M
25
25th pctile
Total Loans
Current: $60.0M · Tier avg: $139.2M
33
33th pctile
Nonperforming Asset Ratio
Current: 0.59% · Tier avg: 0.45%
36
36th pctile
Delinquency Rate
Current: 0.75% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
80
80th pctile
Loan-to-Deposit Ratio
Current: 91.57% · Tier avg: 74.53%