BlastPoint's Banking Scorecard
Bank47
Micro
Specialty: Commercial
AL
FDIC cert 32968
Designations: ✓ Community bank
Huntsville, AL
2498
banks in Micro tier nationally
65 in AL
View Micro leaderboard (AL) →
Bank47 faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 6.64% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$83.4M
+13.2% YoY
+4.6% QoQ
|
-$134.1M |
$217.5M
+2.3% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
17% |
| Total Loans ? |
$41.1M
+55.4% YoY
+10.7% QoQ
|
-$98.0M |
$139.2M
+2.8% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
16% |
| Total Deposits ? |
$74.5M
+16.0% YoY
+6.6% QoQ
|
-$109.2M |
$183.7M
+1.8% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
19% |
| Return on Assets ? |
-5.56%
-65.7% YoY
-3.2% QoQ
|
-6.64% |
1.08%
+14.7% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
3.47%
-11.4% YoY
-2.2% QoQ
|
-0.39% |
3.85%
+6.6% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
32% |
| Efficiency Ratio ? |
227.10%
+35.6% YoY
+4.1% QoQ
|
+159.38% |
67.73%
-4.8% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
- |
| Delinquency Rate ? |
0.13%
-92.6% YoY
-88.7% QoQ
|
-0.51% |
0.64%
+24.4% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
55.22%
+33.9% YoY
+3.8% QoQ
|
-19.31% |
74.53%
+0.5% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
15.79%
-14.3% YoY
-3.5% QoQ
|
-6.60% |
22.39%
-1.3% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
26% |
| Nonperforming Asset Ratio ? |
0.07%
-89.6% YoY
-87.9% QoQ
|
-0.39% |
0.45%
+25.1% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
71% |
| Tier 1 Capital Ratio ? |
22.35%
-44.2% YoY
-16.0% QoQ
|
+13.50% |
8.85%
-3.4% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
Top 10% in tier |
| Non-Interest Income / Assets ? |
0.51%
+1.5% YoY
+18.8% QoQ
|
-0.05% |
0.56%
+0.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
70% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Return on Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
-5.56%
(Tier avg: 1.08%, National avg: 1.12%)
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
90
90th pctile
Tier 1 Capital Ratio
Current: 22.35% · Tier avg: 8.85%
82
82th pctile
Loan-to-Deposit Ratio
Current: 55.22% · Tier avg: 74.53%
71
71th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.45%
70
70th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.56%
68
68th pctile
Delinquency Rate
Current: 0.13% · Tier avg: 0.64%
32
32th pctile
Net Interest Margin
Current: 3.47% · Tier avg: 3.85%
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 15.79% · Tier avg: 22.39%
19
19th pctile
Total Deposits
Current: $74.5M · Tier avg: $183.7M
17
17th pctile
Total Assets
Current: $83.4M · Tier avg: $217.5M
16
16th pctile
Total Loans
Current: $41.1M · Tier avg: $139.2M
0
0th pctile
Return on Assets
Current: -5.56% · Tier avg: 1.08%
Top Weaknesses
0
0th pctile
Return on Assets
Current: -5.56% · Tier avg: 1.08%
16
16th pctile
Total Loans
Current: $41.1M · Tier avg: $139.2M
17
17th pctile
Total Assets
Current: $83.4M · Tier avg: $217.5M
19
19th pctile
Total Deposits
Current: $74.5M · Tier avg: $183.7M
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 15.79% · Tier avg: 22.39%
32
32th pctile
Net Interest Margin
Current: 3.47% · Tier avg: 3.85%
68
68th pctile
Delinquency Rate
Current: 0.13% · Tier avg: 0.64%
70
70th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.56%
71
71th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.45%
82
82th pctile
Loan-to-Deposit Ratio
Current: 55.22% · Tier avg: 74.53%
90
90th pctile
Tier 1 Capital Ratio
Current: 22.35% · Tier avg: 8.85%