BlastPoint's Banking Scorecard
First Cahawba Bank
Micro
Specialty: Commercial
AL
FDIC cert 58636
Designations: ✓ Community bank
Selma, AL
2498
banks in Micro tier nationally
65 in AL
View Micro leaderboard (AL) →
First Cahawba Bank shows strong momentum with 2 strengths and 5.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below 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 ? |
$198.9M
+5.9% YoY
-3.6% QoQ
|
-$18.6M |
$217.5M
+2.3% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
51% |
| Total Loans ? |
$138.0M
+8.1% YoY
+2.3% QoQ
|
-$1.2M |
$139.2M
+2.8% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
56% |
| Total Deposits ? |
$181.1M
+4.5% YoY
-3.9% QoQ
|
-$2.5M |
$183.7M
+1.8% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
55% |
| Return on Assets ? |
1.21%
+26.4% YoY
-2.6% QoQ
|
+0.13% |
1.08%
+14.7% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
59% |
| Net Interest Margin ? |
4.86%
+4.0% YoY
+1.1% QoQ
|
+1.01% |
3.85%
+6.6% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 12% in tier |
| Efficiency Ratio ? |
65.27%
-4.9% YoY
-0.5% QoQ
|
-2.45% |
67.73%
-4.8% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
52% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
76.17%
+3.5% YoY
+6.5% QoQ
|
+1.64% |
74.53%
+0.5% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
25.30%
-0.6% YoY
-9.6% QoQ
|
+2.90% |
22.39%
-1.3% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
64% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.26%
-4.3% YoY
+35.6% QoQ
|
-0.30% |
0.56%
+0.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
34% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
88
88th pctile
Net Interest Margin
Current: 4.86% · Tier avg: 3.85%
64
64th pctile
Non-Interest-Bearing Deposit Share
Current: 25.30% · Tier avg: 22.39%
59
59th pctile
Return on Assets
Current: 1.21% · Tier avg: 1.08%
56
56th pctile
Total Loans
Current: $138.0M · Tier avg: $139.2M
55
55th pctile
Total Deposits
Current: $181.1M · Tier avg: $183.7M
52
52th pctile
Efficiency Ratio
Current: 65.27% · Tier avg: 67.73%
51
51th pctile
Total Assets
Current: $198.9M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Loan-to-Deposit Ratio
Current: 76.17% · Tier avg: 74.53%
34
34th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.56%
Top Weaknesses
34
34th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.56%
50
50th pctile
Loan-to-Deposit Ratio
Current: 76.17% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Total Assets
Current: $198.9M · Tier avg: $217.5M
52
52th pctile
Efficiency Ratio
Current: 65.27% · Tier avg: 67.73%
55
55th pctile
Total Deposits
Current: $181.1M · Tier avg: $183.7M
56
56th pctile
Total Loans
Current: $138.0M · Tier avg: $139.2M
59
59th pctile
Return on Assets
Current: 1.21% · Tier avg: 1.08%
64
64th pctile
Non-Interest-Bearing Deposit Share
Current: 25.30% · Tier avg: 22.39%
88
88th pctile
Net Interest Margin
Current: 4.86% · Tier avg: 3.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%