BlastPoint's Banking Scorecard
Oakworth Capital Bank
Community
Specialty: Commercial
AL
FDIC cert 58783
Birmingham, AL
1484
banks in Community tier nationally
26 in AL
View Community leaderboard (AL) →
Oakworth Capital Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 35% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 2% in Community
- - Credit Risk Growth: Bottom 43% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.0B
+14.5% YoY
+6.4% QoQ
|
+$655.4M |
$1.4B
+2.0% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
80% |
| Total Loans ? |
$1.6B
+10.1% YoY
+4.6% QoQ
|
+$609.2M |
$975.5M
+2.4% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
82% |
| Total Deposits ? |
$1.8B
+14.5% YoY
+7.9% QoQ
|
+$674.8M |
$1.2B
+1.7% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
82% |
| Return on Assets ? |
1.17%
+10.1% YoY
-0.0% QoQ
|
+0.01% |
1.16%
+17.2% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
54% |
| Net Interest Margin ? |
3.76%
+5.6% YoY
+0.0% QoQ
|
+0.10% |
3.66%
+9.1% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
57% |
| Efficiency Ratio ? |
61.68%
-3.5% YoY
+1.3% QoQ
|
-0.95% |
62.63%
-5.3% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
52% |
| Delinquency Rate ? |
0.03%
+51.4% YoY
-4.4% QoQ
|
-0.59% |
0.63%
+18.3% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
Top 10% in tier |
| Loan-to-Deposit Ratio ? |
86.15%
-3.9% YoY
-3.1% QoQ
|
+3.09% |
83.06%
+0.3% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
17.02%
-3.8% YoY
-5.4% QoQ
|
-4.02% |
21.05%
-0.9% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
35% |
| Nonperforming Asset Ratio ? |
0.19%
-40.0% YoY
-25.2% QoQ
|
-0.31% |
0.50%
+20.3% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
66% |
| Tier 1 Capital Ratio ? |
10.74%
+2.2% YoY
-2.6% QoQ
|
+0.49% |
10.24%
-0.6% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
34% |
| Non-Interest Income / Assets ? |
0.84%
-6.5% YoY
+28.1% QoQ
|
+0.10% |
0.74%
-1.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
80% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#131 of 371 · Top 35% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.03%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Concerns (2)
Credit Quality Pressure
risk
#15 of 808 · Bottom 2% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.03%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#274 of 642 · Bottom 43% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
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
Delinquency Rate
Current: 0.03% · Tier avg: 0.63%
82
82th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
82
82th pctile
Total Loans
Current: $1.6B · Tier avg: $975.5M
80
80th pctile
Non-Interest Income / Assets
Current: 0.84% · Tier avg: 0.74%
80
80th pctile
Total Assets
Current: $2.0B · Tier avg: $1.4B
66
66th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.50%
57
57th pctile
Net Interest Margin
Current: 3.76% · Tier avg: 3.66%
54
54th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.16%
52
52th pctile
Efficiency Ratio
Current: 61.68% · Tier avg: 62.63%
46
46th pctile
Loan-to-Deposit Ratio
Current: 86.15% · Tier avg: 83.06%
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 17.02% · Tier avg: 21.05%
34
34th pctile
Tier 1 Capital Ratio
Current: 10.74% · Tier avg: 10.24%
Top Weaknesses
34
34th pctile
Tier 1 Capital Ratio
Current: 10.74% · Tier avg: 10.24%
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 17.02% · Tier avg: 21.05%
46
46th pctile
Loan-to-Deposit Ratio
Current: 86.15% · Tier avg: 83.06%
52
52th pctile
Efficiency Ratio
Current: 61.68% · Tier avg: 62.63%
54
54th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.16%
57
57th pctile
Net Interest Margin
Current: 3.76% · Tier avg: 3.66%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.50%
80
80th pctile
Total Assets
Current: $2.0B · Tier avg: $1.4B
80
80th pctile
Non-Interest Income / Assets
Current: 0.84% · Tier avg: 0.74%
82
82th pctile
Total Loans
Current: $1.6B · Tier avg: $975.5M
82
82th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
90
90th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.63%