BlastPoint's Banking Scorecard
The Southern Bank Company
Designations: ✓ Community bank
Gadsden, AL
The Southern Bank Company has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 3.66% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.57% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$129.6M
+10.0% YoY
+1.0% QoQ
|
-$87.9M |
$217.5M
+2.3% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
31% |
| Total Loans ? |
$58.0M
+0.4% YoY
+4.5% QoQ
|
-$81.2M |
$139.2M
+2.8% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
24% |
| Total Deposits ? |
$103.3M
+7.7% YoY
-0.3% QoQ
|
-$80.4M |
$183.7M
+1.8% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
30% |
| Return on Assets ? |
0.74%
-36.3% YoY
+23.5% QoQ
|
-0.34% |
1.08%
+14.7% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
31% |
| Net Interest Margin ? |
7.52%
-3.9% YoY
+0.7% QoQ
|
+3.66% |
3.85%
+6.6% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
82.79%
+11.6% YoY
-1.3% QoQ
|
+15.06% |
67.73%
-4.8% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
16% |
| Delinquency Rate ? |
3.21%
+361.4% YoY
-7.2% QoQ
|
+2.57% |
0.64%
+24.4% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 6% in tier |
| Loan-to-Deposit Ratio ? |
56.11%
-6.7% YoY
+4.8% QoQ
|
-18.41% |
74.53%
+0.5% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
81% |
| Non-Interest-Bearing Deposit Share ? |
10.37%
-3.6% YoY
+15.8% QoQ
|
-12.03% |
22.39%
-1.3% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 12% in tier |
| Nonperforming Asset Ratio ? |
1.44%
+321.2% YoY
-4.0% QoQ
|
+0.99% |
0.45%
+25.1% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
Bottom 12% 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 ? |
0.45%
-21.5% YoY
+30.7% QoQ
|
-0.12% |
0.56%
+0.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
62% |
Signature Analysis
Strengths (1)
Net Interest Margin
metricNet Interest Margin is in the top decile of tier peers. The spread between loan yields and funding costs is well above peers - a structural earnings advantage if it persists.
Concerns (1)
Delinquency Rate
metricDelinquency Rate is in the bottom decile (highest) of tier peers. Past-due loans are running well above peer levels - leading indicator of further charge-offs unless cured or worked out.
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%