BlastPoint's Banking Scorecard
Bank of Moundville
Micro
Specialty: Other
AL
FDIC cert 9057
Designations: ✓ Community bank
Moundville, AL
2498
banks in Micro tier nationally
65 in AL
View Micro leaderboard (AL) →
Bank of Moundville faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.13% below tier
- - Delinquency Rate 4.51% above tier
- - Nonperforming Asset Ratio 1.75% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$133.5M
+14.0% YoY
-3.1% QoQ
|
-$83.9M |
$217.5M
+2.3% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
32% |
| Total Loans ? |
$57.1M
+1.5% YoY
+1.6% QoQ
|
-$82.1M |
$139.2M
+2.8% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
23% |
| Total Deposits ? |
$117.0M
+14.2% YoY
-3.4% QoQ
|
-$66.6M |
$183.7M
+1.8% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
35% |
| Return on Assets ? |
0.45%
-22.6% YoY
-5.8% QoQ
|
-0.64% |
1.08%
+14.7% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
16% |
| Net Interest Margin ? |
2.72%
+3.7% YoY
+0.5% QoQ
|
-1.13% |
3.85%
+6.6% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 9% in tier |
| Efficiency Ratio ? |
78.22%
+1.7% YoY
+1.7% QoQ
|
+10.49% |
67.73%
-4.8% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
23% |
| Delinquency Rate ? | 5.15% | +4.51% |
0.64%
+24.4% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
48.80%
-11.1% YoY
+5.2% QoQ
|
-25.72% |
74.53%
+0.5% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
Top 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.45%
-10.1% YoY
-2.4% QoQ
|
+1.06% |
22.39%
-1.3% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
58% |
| Nonperforming Asset Ratio ? | 2.20% | +1.75% |
0.45%
+25.1% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
Bottom 6% 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 ? |
0.28%
-45.2% YoY
+59.4% QoQ
|
-0.28% |
0.56%
+0.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
37% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Net Interest Margin
metric
Bottom 9%
in Micro
Why this stands out
Current:
2.72%
(Tier avg: 3.85%, National avg: 3.75%)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
5.15%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
2.20%
(Tier avg: 0.45%, National avg: 0.48%)
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
88
88th pctile
Loan-to-Deposit Ratio
Current: 48.80% · Tier avg: 74.53%
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 23.45% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
37
37th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
35
35th pctile
Total Deposits
Current: $117.0M · Tier avg: $183.7M
32
32th pctile
Total Assets
Current: $133.5M · Tier avg: $217.5M
23
23th pctile
Total Loans
Current: $57.1M · Tier avg: $139.2M
23
23th pctile
Efficiency Ratio
Current: 78.22% · Tier avg: 67.73%
16
16th pctile
Return on Assets
Current: 0.45% · Tier avg: 1.08%
9
9th pctile
Net Interest Margin
Current: 2.72% · Tier avg: 3.85%
6
6th pctile
Nonperforming Asset Ratio
Current: 2.20% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 5.15% · Tier avg: 0.64%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 5.15% · Tier avg: 0.64%
6
6th pctile
Nonperforming Asset Ratio
Current: 2.20% · Tier avg: 0.45%
9
9th pctile
Net Interest Margin
Current: 2.72% · Tier avg: 3.85%
16
16th pctile
Return on Assets
Current: 0.45% · Tier avg: 1.08%
23
23th pctile
Efficiency Ratio
Current: 78.22% · Tier avg: 67.73%
23
23th pctile
Total Loans
Current: $57.1M · Tier avg: $139.2M
32
32th pctile
Total Assets
Current: $133.5M · Tier avg: $217.5M
35
35th pctile
Total Deposits
Current: $117.0M · Tier avg: $183.7M
37
37th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 23.45% · Tier avg: 22.39%
88
88th pctile
Loan-to-Deposit Ratio
Current: 48.80% · Tier avg: 74.53%