BlastPoint's Banking Scorecard
Bank of Brewton
Micro
Specialty: Other
AL
FDIC cert 5605
Designations: ✓ Community bank
Brewton, AL
2498
banks in Micro tier nationally
65 in AL
View Micro leaderboard (AL) →
Bank of Brewton has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 14.40% above tier
Key Concerns
Areas that may need attention
- - Efficiency Ratio 23.71% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$46.9M
+6.1% YoY
-2.4% QoQ
|
-$170.6M |
$217.5M
+2.3% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 6% in tier |
| Total Loans ? |
$18.0M
+3.5% YoY
+7.5% QoQ
|
-$121.2M |
$139.2M
+2.8% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
Bottom 6% in tier |
| Total Deposits ? |
$37.7M
+4.5% YoY
-3.6% QoQ
|
-$146.0M |
$183.7M
+1.8% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 7% in tier |
| Return on Assets ? |
0.46%
+131.6% YoY
+18.4% QoQ
|
-0.62% |
1.08%
+14.7% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
17% |
| Net Interest Margin ? |
4.28%
-2.7% YoY
+1.3% QoQ
|
+0.43% |
3.85%
+6.6% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
71% |
| Efficiency Ratio ? |
91.44%
-9.8% YoY
+4.5% QoQ
|
+23.71% |
67.73%
-4.8% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 8% in tier |
| Delinquency Rate ? |
0.01%
-98.7% YoY
|
-0.63% |
0.64%
+24.4% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
47.76%
-0.9% YoY
+11.5% QoQ
|
-26.77% |
74.53%
+0.5% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
Top 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
36.79%
-3.5% YoY
+0.5% QoQ
|
+14.40% |
22.39%
-1.3% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
Top 10% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-98.7% YoY
|
-0.45% |
0.45%
+25.1% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
82% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-8.85% |
8.85%
-3.4% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.48%
+59.5% YoY
+28.8% QoQ
|
-0.08% |
0.56%
+0.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
67% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 10%
in Micro
Why this stands out
Current:
36.79%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (1)
Efficiency Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
91.44%
(Tier avg: 67.73%, National avg: 65.09%)
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
Non-Interest-Bearing Deposit Share
Current: 36.79% · Tier avg: 22.39%
89
89th pctile
Loan-to-Deposit Ratio
Current: 47.76% · Tier avg: 74.53%
82
82th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
81
81th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.64%
71
71th pctile
Net Interest Margin
Current: 4.28% · Tier avg: 3.85%
67
67th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
17
17th pctile
Return on Assets
Current: 0.46% · Tier avg: 1.08%
8
8th pctile
Efficiency Ratio
Current: 91.44% · Tier avg: 67.73%
7
7th pctile
Total Deposits
Current: $37.7M · Tier avg: $183.7M
6
6th pctile
Total Assets
Current: $46.9M · Tier avg: $217.5M
6
6th pctile
Total Loans
Current: $18.0M · Tier avg: $139.2M
Top Weaknesses
6
6th pctile
Total Loans
Current: $18.0M · Tier avg: $139.2M
6
6th pctile
Total Assets
Current: $46.9M · Tier avg: $217.5M
7
7th pctile
Total Deposits
Current: $37.7M · Tier avg: $183.7M
8
8th pctile
Efficiency Ratio
Current: 91.44% · Tier avg: 67.73%
17
17th pctile
Return on Assets
Current: 0.46% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
67
67th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.56%
71
71th pctile
Net Interest Margin
Current: 4.28% · Tier avg: 3.85%
81
81th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.64%
82
82th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
89
89th pctile
Loan-to-Deposit Ratio
Current: 47.76% · Tier avg: 74.53%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 36.79% · Tier avg: 22.39%