BlastPoint's Banking Scorecard
Bryant Bank
Community
Specialty: Commercial
AL
FDIC cert 57997
Tuscaloosa, AL
1484
banks in Community tier nationally
26 in AL
View Community leaderboard (AL) →
Bryant Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 40% in Community
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 50% in Community
- - Loan-to-Deposit Ratio 24.99% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.9B
+5.8% YoY
+7.9% QoQ
|
+$1.5B |
$1.4B
+2.0% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
Top 10% in tier |
| Total Loans ? |
$1.4B
+3.9% YoY
+3.4% QoQ
|
+$392.1M |
$975.5M
+2.4% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
78% |
| Total Deposits ? |
$2.4B
+5.5% YoY
+10.6% QoQ
|
+$1.2B |
$1.2B
+1.7% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
Top 11% in tier |
| Return on Assets ? |
1.69%
-12.7% YoY
-0.8% QoQ
|
+0.53% |
1.16%
+17.2% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
83% |
| Net Interest Margin ? |
3.76%
-8.9% YoY
-1.0% QoQ
|
+0.09% |
3.66%
+9.1% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
57% |
| Efficiency Ratio ? |
52.82%
+6.6% YoY
-0.2% QoQ
|
-9.81% |
62.63%
-5.3% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
78% |
| Delinquency Rate ? |
0.07%
-27.4% YoY
-12.7% QoQ
|
-0.56% |
0.63%
+18.3% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
Top 15% in tier |
| Loan-to-Deposit Ratio ? |
58.07%
-1.6% YoY
-6.6% QoQ
|
-24.99% |
83.06%
+0.3% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.53%
+4.5% YoY
-5.2% QoQ
|
+7.49% |
21.05%
-0.9% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.37%
-11.3% YoY
-13.9% QoQ
|
-0.13% |
0.50%
+20.3% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
48% |
| Tier 1 Capital Ratio ? |
18.34%
-0.1% YoY
-2.7% QoQ
|
+8.09% |
10.24%
-0.6% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
Top 11% in tier |
| Non-Interest Income / Assets ? |
0.30%
-3.7% YoY
+28.0% QoQ
|
-0.44% |
0.74%
-1.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
23% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#150 of 371 · Top 40% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.07%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Concerns (2)
Margin Compression
decline
#61 of 120 · Bottom 50% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.69%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Loan-to-Deposit Ratio
metric
Bottom 7%
in Community
Why this stands out
Current:
58.07%
(Tier avg: 83.06%, National avg: 78.04%)
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
Total Assets
Current: $2.9B · Tier avg: $1.4B
89
89th pctile
Tier 1 Capital Ratio
Current: 18.34% · Tier avg: 10.24%
89
89th pctile
Total Deposits
Current: $2.4B · Tier avg: $1.2B
85
85th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.63%
83
83th pctile
Return on Assets
Current: 1.69% · Tier avg: 1.16%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 28.53% · Tier avg: 21.05%
78
78th pctile
Total Loans
Current: $1.4B · Tier avg: $975.5M
78
78th pctile
Efficiency Ratio
Current: 52.82% · Tier avg: 62.63%
57
57th pctile
Net Interest Margin
Current: 3.76% · Tier avg: 3.66%
48
48th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.50%
23
23th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.74%
7
7th pctile
Loan-to-Deposit Ratio
Current: 58.07% · Tier avg: 83.06%
Top Weaknesses
7
7th pctile
Loan-to-Deposit Ratio
Current: 58.07% · Tier avg: 83.06%
23
23th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.74%
48
48th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.50%
57
57th pctile
Net Interest Margin
Current: 3.76% · Tier avg: 3.66%
78
78th pctile
Efficiency Ratio
Current: 52.82% · Tier avg: 62.63%
78
78th pctile
Total Loans
Current: $1.4B · Tier avg: $975.5M
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 28.53% · Tier avg: 21.05%
83
83th pctile
Return on Assets
Current: 1.69% · Tier avg: 1.16%
85
85th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.63%
89
89th pctile
Total Deposits
Current: $2.4B · Tier avg: $1.2B
89
89th pctile
Tier 1 Capital Ratio
Current: 18.34% · Tier avg: 10.24%
90
90th pctile
Total Assets
Current: $2.9B · Tier avg: $1.4B