BlastPoint's Banking Scorecard
First Community Bank of Central Alabama
Community
Specialty: Commercial
AL
FDIC cert 57124
Wetumpka, AL
1484
banks in Community tier nationally
26 in AL
View Community leaderboard (AL) →
First Community Bank of Central Alabama shows strong momentum with 2 strengths and 6.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 42% in Community
- + Net Interest Margin 1.07% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$675.7M
+6.9% YoY
+0.5% QoQ
|
-$715.7M |
$1.4B
+2.0% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
25% |
| Total Loans ? |
$456.4M
+15.4% YoY
+2.6% QoQ
|
-$519.0M |
$975.5M
+2.4% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
23% |
| Total Deposits ? |
$623.6M
+5.6% YoY
+0.3% QoQ
|
-$541.0M |
$1.2B
+1.7% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
31% |
| Return on Assets ? |
2.24%
+2.8% YoY
-2.6% QoQ
|
+1.08% |
1.16%
+17.2% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
Top 6% in tier |
| Net Interest Margin ? |
4.74%
+2.8% YoY
+0.5% QoQ
|
+1.07% |
3.66%
+9.1% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 8% in tier |
| Efficiency Ratio ? |
48.34%
-0.9% YoY
-0.0% QoQ
|
-14.29% |
62.63%
-5.3% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 14% in tier |
| Delinquency Rate ? |
0.19%
-33.8% YoY
-51.1% QoQ
|
-0.44% |
0.63%
+18.3% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
73.19%
+9.2% YoY
+2.3% QoQ
|
-9.87% |
83.06%
+0.3% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
25.32%
-4.6% YoY
-4.0% QoQ
|
+4.27% |
21.05%
-0.9% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
70% |
| Nonperforming Asset Ratio ? |
0.30%
+61.8% YoY
+8.9% QoQ
|
-0.20% |
0.50%
+20.3% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
54% |
| Tier 1 Capital Ratio ? |
10.81%
-2.8% YoY
-0.2% QoQ
|
+0.57% |
10.24%
-0.6% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
35% |
| Non-Interest Income / Assets ? |
0.70%
+4.2% YoY
+34.2% QoQ
|
-0.04% |
0.74%
-1.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
70% |
Signature Analysis
Strengths (2)
Profitability Leader
growth
#155 of 371 · Top 42% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.24%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Net Interest Margin
metric
Top 8%
in Community
Why this stands out
Current:
4.74%
(Tier avg: 3.66%, National avg: 3.75%)
Concerns (0)
No concerns identified
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
94
94th pctile
Return on Assets
Current: 2.24% · Tier avg: 1.16%
92
92th pctile
Net Interest Margin
Current: 4.74% · Tier avg: 3.66%
86
86th pctile
Efficiency Ratio
Current: 48.34% · Tier avg: 62.63%
75
75th pctile
Loan-to-Deposit Ratio
Current: 73.19% · Tier avg: 83.06%
71
71th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.63%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 25.32% · Tier avg: 21.05%
70
70th pctile
Non-Interest Income / Assets
Current: 0.70% · Tier avg: 0.74%
54
54th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.50%
35
35th pctile
Tier 1 Capital Ratio
Current: 10.81% · Tier avg: 10.24%
31
31th pctile
Total Deposits
Current: $623.6M · Tier avg: $1.2B
25
25th pctile
Total Assets
Current: $675.7M · Tier avg: $1.4B
23
23th pctile
Total Loans
Current: $456.4M · Tier avg: $975.5M
Top Weaknesses
23
23th pctile
Total Loans
Current: $456.4M · Tier avg: $975.5M
25
25th pctile
Total Assets
Current: $675.7M · Tier avg: $1.4B
31
31th pctile
Total Deposits
Current: $623.6M · Tier avg: $1.2B
35
35th pctile
Tier 1 Capital Ratio
Current: 10.81% · Tier avg: 10.24%
54
54th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.50%
70
70th pctile
Non-Interest Income / Assets
Current: 0.70% · Tier avg: 0.74%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 25.32% · Tier avg: 21.05%
71
71th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.63%
75
75th pctile
Loan-to-Deposit Ratio
Current: 73.19% · Tier avg: 83.06%
86
86th pctile
Efficiency Ratio
Current: 48.34% · Tier avg: 62.63%
92
92th pctile
Net Interest Margin
Current: 4.74% · Tier avg: 3.66%
94
94th pctile
Return on Assets
Current: 2.24% · Tier avg: 1.16%