BlastPoint's Banking Scorecard
Bank of Walker County
Micro
Specialty: Commercial
AL
FDIC cert 57640
Designations: ✓ Community bank
Jasper, AL
2498
banks in Micro tier nationally
65 in AL
View Micro leaderboard (AL) →
Bank of Walker County demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.33% above tier
- + Non-Interest-Bearing Deposit Share 27.23% 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 ? |
$95.5M
-4.6% YoY
-2.3% QoQ
|
-$121.9M |
$217.5M
+2.3% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
21% |
| Total Loans ? |
$73.2M
+7.0% YoY
+0.4% QoQ
|
-$66.0M |
$139.2M
+2.8% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
31% |
| Total Deposits ? |
$85.0M
-6.3% YoY
-2.9% QoQ
|
-$98.6M |
$183.7M
+1.8% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
23% |
| Return on Assets ? |
1.35%
+14.2% YoY
-6.7% QoQ
|
+0.26% |
1.08%
+14.7% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
67% |
| Net Interest Margin ? |
5.18%
+4.7% YoY
+1.5% QoQ
|
+1.33% |
3.85%
+6.6% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 7% in tier |
| Efficiency Ratio ? |
72.01%
-2.9% YoY
+3.5% QoQ
|
+4.29% |
67.73%
-4.8% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
35% |
| Delinquency Rate ? |
0.02%
-33.8% YoY
-10.9% QoQ
|
-0.62% |
0.64%
+24.4% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
86.05%
+14.2% YoY
+3.4% QoQ
|
+11.52% |
74.53%
+0.5% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
49.62%
+17.4% YoY
+1.8% QoQ
|
+27.23% |
22.39%
-1.3% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
Top 2% in tier |
| Nonperforming Asset Ratio ? |
0.02%
-25.8% YoY
-8.4% QoQ
|
-0.43% |
0.45%
+25.1% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
79% |
| 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 ? |
0.73%
+0.6% YoY
+36.2% QoQ
|
+0.17% |
0.56%
+0.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
84% |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 7%
in Micro
Why this stands out
Current:
5.18%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Top 2%
in Micro
Why this stands out
Current:
49.62%
(Tier avg: 22.39%, National avg: 21.79%)
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
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 49.62% · Tier avg: 22.39%
93
93th pctile
Net Interest Margin
Current: 5.18% · Tier avg: 3.85%
84
84th pctile
Non-Interest Income / Assets
Current: 0.73% · Tier avg: 0.56%
79
79th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.64%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
67
67th pctile
Return on Assets
Current: 1.35% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
35
35th pctile
Efficiency Ratio
Current: 72.01% · Tier avg: 67.73%
31
31th pctile
Loan-to-Deposit Ratio
Current: 86.05% · Tier avg: 74.53%
31
31th pctile
Total Loans
Current: $73.2M · Tier avg: $139.2M
23
23th pctile
Total Deposits
Current: $85.0M · Tier avg: $183.7M
21
21th pctile
Total Assets
Current: $95.5M · Tier avg: $217.5M
Top Weaknesses
21
21th pctile
Total Assets
Current: $95.5M · Tier avg: $217.5M
23
23th pctile
Total Deposits
Current: $85.0M · Tier avg: $183.7M
31
31th pctile
Total Loans
Current: $73.2M · Tier avg: $139.2M
31
31th pctile
Loan-to-Deposit Ratio
Current: 86.05% · Tier avg: 74.53%
35
35th pctile
Efficiency Ratio
Current: 72.01% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
67
67th pctile
Return on Assets
Current: 1.35% · Tier avg: 1.08%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
79
79th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.64%
84
84th pctile
Non-Interest Income / Assets
Current: 0.73% · Tier avg: 0.56%
93
93th pctile
Net Interest Margin
Current: 5.18% · Tier avg: 3.85%
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 49.62% · Tier avg: 22.39%