BlastPoint's Banking Scorecard
Local Bank
Micro
Specialty: Commercial
AL
FDIC cert 9614
Designations: ✓ Community bank
Tuscaloosa, AL
2498
banks in Micro tier nationally
65 in AL
View Micro leaderboard (AL) →
Local Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 6.75% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.17% below tier
- - Efficiency Ratio 33.00% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$109.7M
+40.2% YoY
-0.6% QoQ
|
-$107.8M |
$217.5M
+2.3% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
25% |
| Total Loans ? |
$80.6M
+33.4% YoY
+7.2% QoQ
|
-$58.6M |
$139.2M
+2.8% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
34% |
| Total Deposits ? |
$84.7M
+44.2% YoY
-1.3% QoQ
|
-$98.9M |
$183.7M
+1.8% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
23% |
| Return on Assets ? |
-0.08%
+95.1% YoY
-141.0% QoQ
|
-1.17% |
1.08%
+14.7% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 6% in tier |
| Net Interest Margin ? |
3.97%
-11.4% YoY
-0.8% QoQ
|
+0.12% |
3.85%
+6.6% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
57% |
| Efficiency Ratio ? |
100.73%
-17.0% YoY
+4.4% QoQ
|
+33.00% |
67.73%
-4.8% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 5% in tier |
| Delinquency Rate ? |
1.76%
+31.7% YoY
|
+1.12% |
0.64%
+24.4% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
95.13%
-7.5% YoY
+8.6% QoQ
|
+20.60% |
74.53%
+0.5% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.06%
-27.3% YoY
-15.7% QoQ
|
-8.34% |
22.39%
-1.3% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
20% |
| Nonperforming Asset Ratio ? |
1.46%
+41.8% YoY
+498.4% QoQ
|
+1.01% |
0.45%
+25.1% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
Bottom 12% 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 ? |
7.32%
+82.0% YoY
+29.8% QoQ
|
+6.75% |
0.56%
+0.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 1%
in Micro
Why this stands out
Current:
7.32%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (2)
Return on Assets
metric
Bottom 6%
in Micro
Why this stands out
Current:
-0.08%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
100.73%
(Tier avg: 67.73%, National avg: 65.09%)
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
99
99th pctile
Non-Interest Income / Assets
Current: 7.32% · Tier avg: 0.56%
57
57th pctile
Net Interest Margin
Current: 3.97% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
34
34th pctile
Total Loans
Current: $80.6M · Tier avg: $139.2M
25
25th pctile
Total Assets
Current: $109.7M · Tier avg: $217.5M
23
23th pctile
Total Deposits
Current: $84.7M · Tier avg: $183.7M
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 14.06% · Tier avg: 22.39%
16
16th pctile
Delinquency Rate
Current: 1.76% · Tier avg: 0.64%
14
14th pctile
Loan-to-Deposit Ratio
Current: 95.13% · Tier avg: 74.53%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.46% · Tier avg: 0.45%
6
6th pctile
Return on Assets
Current: -0.08% · Tier avg: 1.08%
5
5th pctile
Efficiency Ratio
Current: 100.73% · Tier avg: 67.73%
Top Weaknesses
5
5th pctile
Efficiency Ratio
Current: 100.73% · Tier avg: 67.73%
6
6th pctile
Return on Assets
Current: -0.08% · Tier avg: 1.08%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.46% · Tier avg: 0.45%
14
14th pctile
Loan-to-Deposit Ratio
Current: 95.13% · Tier avg: 74.53%
16
16th pctile
Delinquency Rate
Current: 1.76% · Tier avg: 0.64%
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 14.06% · Tier avg: 22.39%
23
23th pctile
Total Deposits
Current: $84.7M · Tier avg: $183.7M
25
25th pctile
Total Assets
Current: $109.7M · Tier avg: $217.5M
34
34th pctile
Total Loans
Current: $80.6M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
57
57th pctile
Net Interest Margin
Current: 3.97% · Tier avg: 3.85%
99
99th pctile
Non-Interest Income / Assets
Current: 7.32% · Tier avg: 0.56%