BlastPoint's Banking Scorecard
Solutions Plus Bank
Micro
Specialty: Other
AL
FDIC cert 59362
Designations: ✓ Community bank
Albertville, AL
2498
banks in Micro tier nationally
65 in AL
View Micro leaderboard (AL) →
Solutions Plus Bank has 2 strengths but faces 2 concerns
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
- - Return on Assets 10.54% below tier
- - Non-Interest Income / Assets 0.56% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? | $26.9M | -$190.6M |
$217.5M
+2.3% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 2% in tier |
| Total Loans ? | $217K | -$139.0M |
$139.2M
+2.8% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
Bottom 1% in tier |
| Total Deposits ? | $3.1M | -$180.6M |
$183.7M
+1.8% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 1% in tier |
| Return on Assets ? | -9.46% | -10.54% |
1.08%
+14.7% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? | 71.54% | +67.69% |
3.85%
+6.6% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
- |
| Efficiency Ratio ? | 562.66% | +494.93% |
67.73%
-4.8% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
- |
| Delinquency Rate ? | 0.00% | -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 ? | 7.04% | -67.49% |
74.53%
+0.5% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
- |
| Non-Interest-Bearing Deposit Share ? | 26.13% | +3.74% |
22.39%
-1.3% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
67% |
| Nonperforming Asset Ratio ? | 0.00% | -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 ? | 0.00% | -0.56% |
0.56%
+0.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
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 (2)
Return on Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
-9.46%
(Tier avg: 1.08%, National avg: 1.12%)
Non-Interest Income / Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.56%, National avg: 0.65%)
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%
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 26.13% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
2
2th pctile
Total Assets
Current: $26.9M · Tier avg: $217.5M
1
1th pctile
Total Loans
Current: $217K · Tier avg: $139.2M
1
1th pctile
Total Deposits
Current: $3.1M · Tier avg: $183.7M
0
0th pctile
Non-Interest Income / Assets
Current: 0.00% · Tier avg: 0.56%
0
0th pctile
Return on Assets
Current: -9.46% · Tier avg: 1.08%
Top Weaknesses
0
0th pctile
Return on Assets
Current: -9.46% · Tier avg: 1.08%
0
0th pctile
Non-Interest Income / Assets
Current: 0.00% · Tier avg: 0.56%
1
1th pctile
Total Deposits
Current: $3.1M · Tier avg: $183.7M
1
1th pctile
Total Loans
Current: $217K · Tier avg: $139.2M
2
2th pctile
Total Assets
Current: $26.9M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 26.13% · Tier avg: 22.39%
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%