BlastPoint's Banking Scorecard
BankSouth
Micro
Specialty: Commercial
AL
FDIC cert 77
Designations: ✓ Community bank
Dothan, AL
2498
banks in Micro tier nationally
65 in AL
View Micro leaderboard (AL) →
BankSouth has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 26.18% above tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.52% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$210.6M
+0.5% YoY
+0.4% QoQ
|
-$6.9M |
$217.5M
+2.3% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
54% |
| Total Loans ? |
$169.8M
+5.3% YoY
+0.8% QoQ
|
+$30.7M |
$139.2M
+2.8% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
66% |
| Total Deposits ? |
$168.6M
-0.2% YoY
+0.9% QoQ
|
-$15.0M |
$183.7M
+1.8% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
51% |
| Return on Assets ? |
1.44%
+13.1% YoY
+1.2% QoQ
|
+0.36% |
1.08%
+14.7% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
72% |
| Net Interest Margin ? |
3.77%
+7.8% YoY
+1.4% QoQ
|
-0.08% |
3.85%
+6.6% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
48% |
| Efficiency Ratio ? |
58.59%
-2.9% YoY
+0.5% QoQ
|
-9.14% |
67.73%
-4.8% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
71% |
| Delinquency Rate ? |
0.02%
-5.0% YoY
-0.8% QoQ
|
-0.62% |
0.64%
+24.4% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
100.71%
+5.5% YoY
-0.2% QoQ
|
+26.18% |
74.53%
+0.5% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
Top 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.37%
+2.2% YoY
-7.0% QoQ
|
-7.03% |
22.39%
-1.3% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
24% |
| Nonperforming Asset Ratio ? |
0.02%
-0.5% YoY
-0.4% 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% | -8.85% |
8.85%
-3.4% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.05%
+70.6% YoY
+145.2% QoQ
|
-0.52% |
0.56%
+0.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 3% in tier |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
100.71%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 3%
in Micro
Why this stands out
Current:
0.05%
(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
92
92th pctile
Loan-to-Deposit Ratio
Current: 100.71% · Tier avg: 74.53%
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%
72
72th pctile
Return on Assets
Current: 1.44% · Tier avg: 1.08%
71
71th pctile
Efficiency Ratio
Current: 58.59% · Tier avg: 67.73%
66
66th pctile
Total Loans
Current: $169.8M · Tier avg: $139.2M
54
54th pctile
Total Assets
Current: $210.6M · Tier avg: $217.5M
51
51th pctile
Total Deposits
Current: $168.6M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
48
48th pctile
Net Interest Margin
Current: 3.77% · Tier avg: 3.85%
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 15.37% · Tier avg: 22.39%
3
3th pctile
Non-Interest Income / Assets
Current: 0.05% · Tier avg: 0.56%
Top Weaknesses
3
3th pctile
Non-Interest Income / Assets
Current: 0.05% · Tier avg: 0.56%
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 15.37% · Tier avg: 22.39%
48
48th pctile
Net Interest Margin
Current: 3.77% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Total Deposits
Current: $168.6M · Tier avg: $183.7M
54
54th pctile
Total Assets
Current: $210.6M · Tier avg: $217.5M
66
66th pctile
Total Loans
Current: $169.8M · Tier avg: $139.2M
71
71th pctile
Efficiency Ratio
Current: 58.59% · Tier avg: 67.73%
72
72th pctile
Return on Assets
Current: 1.44% · 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%
92
92th pctile
Loan-to-Deposit Ratio
Current: 100.71% · Tier avg: 74.53%