BlastPoint's Banking Scorecard
First Federal Bank, A FSB
Micro
Specialty: Mortgage
AL
FDIC cert 31127
Designations: ✓ Community bank
Tuscaloosa, AL
2498
banks in Micro tier nationally
65 in AL
View Micro leaderboard (AL) →
First Federal Bank, A FSB has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 54.71% above tier
- + Non-Interest Income / Assets 6.09% above tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.30% below tier
- - Efficiency Ratio 29.39% above tier
- - Non-Interest-Bearing Deposit Share 16.80% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$173.1M
+6.0% YoY
-1.1% QoQ
|
-$44.4M |
$217.5M
+2.3% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
44% |
| Total Loans ? |
$142.8M
+8.1% YoY
-1.4% QoQ
|
+$3.6M |
$139.2M
+2.8% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
58% |
| Total Deposits ? |
$110.5M
-6.5% YoY
-4.2% QoQ
|
-$73.2M |
$183.7M
+1.8% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
32% |
| Return on Assets ? |
0.24%
+157.4% YoY
-47.0% QoQ
|
-0.84% |
1.08%
+14.7% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 11% in tier |
| Net Interest Margin ? |
2.55%
+15.0% YoY
+2.1% QoQ
|
-1.30% |
3.85%
+6.6% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 6% in tier |
| Efficiency Ratio ? |
97.11%
-7.8% YoY
+2.4% QoQ
|
+29.39% |
67.73%
-4.8% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 6% in tier |
| Delinquency Rate ? |
0.36%
-48.6% YoY
+14.6% QoQ
|
-0.28% |
0.64%
+24.4% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
129.23%
+15.7% YoY
+2.9% QoQ
|
+54.71% |
74.53%
+0.5% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
5.60%
+15.2% YoY
-8.0% QoQ
|
-16.80% |
22.39%
-1.3% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 6% in tier |
| Nonperforming Asset Ratio ? |
0.29%
-52.8% YoY
+14.4% QoQ
|
-0.16% |
0.45%
+25.1% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
49% |
| Tier 1 Capital Ratio ? |
12.45%
-2.2% YoY
+0.4% QoQ
|
+3.59% |
8.85%
-3.4% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
61% |
| Non-Interest Income / Assets ? |
6.65%
-3.2% YoY
+24.5% QoQ
|
+6.09% |
0.56%
+0.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
129.23%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest Income / Assets
metric
Top 1%
in Micro
Why this stands out
Current:
6.65%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (3)
Net Interest Margin
metric
Bottom 6%
in Micro
Why this stands out
Current:
2.55%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
97.11%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 6%
in Micro
Why this stands out
Current:
5.60%
(Tier avg: 22.39%, National avg: 21.79%)
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
99
99th pctile
Loan-to-Deposit Ratio
Current: 129.23% · Tier avg: 74.53%
99
99th pctile
Non-Interest Income / Assets
Current: 6.65% · Tier avg: 0.56%
61
61th pctile
Tier 1 Capital Ratio
Current: 12.45% · Tier avg: 8.85%
58
58th pctile
Total Loans
Current: $142.8M · Tier avg: $139.2M
52
52th pctile
Delinquency Rate
Current: 0.36% · Tier avg: 0.64%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.29% · Tier avg: 0.45%
44
44th pctile
Total Assets
Current: $173.1M · Tier avg: $217.5M
32
32th pctile
Total Deposits
Current: $110.5M · Tier avg: $183.7M
11
11th pctile
Return on Assets
Current: 0.24% · Tier avg: 1.08%
6
6th pctile
Net Interest Margin
Current: 2.55% · Tier avg: 3.85%
6
6th pctile
Efficiency Ratio
Current: 97.11% · Tier avg: 67.73%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 5.60% · Tier avg: 22.39%
Top Weaknesses
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 5.60% · Tier avg: 22.39%
6
6th pctile
Efficiency Ratio
Current: 97.11% · Tier avg: 67.73%
6
6th pctile
Net Interest Margin
Current: 2.55% · Tier avg: 3.85%
11
11th pctile
Return on Assets
Current: 0.24% · Tier avg: 1.08%
32
32th pctile
Total Deposits
Current: $110.5M · Tier avg: $183.7M
44
44th pctile
Total Assets
Current: $173.1M · Tier avg: $217.5M
49
49th pctile
Nonperforming Asset Ratio
Current: 0.29% · Tier avg: 0.45%
52
52th pctile
Delinquency Rate
Current: 0.36% · Tier avg: 0.64%
58
58th pctile
Total Loans
Current: $142.8M · Tier avg: $139.2M
61
61th pctile
Tier 1 Capital Ratio
Current: 12.45% · Tier avg: 8.85%
99
99th pctile
Non-Interest Income / Assets
Current: 6.65% · Tier avg: 0.56%
99
99th pctile
Loan-to-Deposit Ratio
Current: 129.23% · Tier avg: 74.53%