BlastPoint's Banking Scorecard

Merit Bank

$100M-$1B Specialty: Commercial AL FDIC cert 15270

Huntsville, AL

2664 banks in the $100M-$1B peer group nationally 64 in AL

Merit Bank has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.89% below tier average
+ Efficiency Ratio 1.95% below tier average

Key Concerns

Areas that may need attention

- ROA 0.30% below tier average
- Net Interest Margin 0.57% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Total Assets ?	$524.8M +15.7% YoY +3.0% QoQ	+$138.7M	$386.1M +0.5% YoY	$2.5B +0.2% YoY	$6.2B +9.1% YoY	74%
Total Loans ?	$353.4M +16.2% YoY +1.1% QoQ	+$97.7M	$255.7M +1.1% YoY	$1.5B +2.4% YoY	$3.2B +10.8% YoY	75%
Total Deposits ?	$444.0M +10.5% YoY +7.5% QoQ	+$116.1M	$328.0M +0.1% YoY	$2.1B -0.2% YoY	$4.8B +8.2% YoY	74%
Return on Assets ?	0.97% +108.8% YoY +47.7% QoQ	-0.30%	1.27% +12.9% YoY	0.78% -19.5% YoY	1.23% +13.4% YoY	36%
Net Interest Margin ?	3.36% +21.8% YoY +6.8% QoQ	-0.57%	3.93% +6.0% YoY	3.99% +5.2% YoY	3.89% +5.7% YoY	24%
Efficiency Ratio ?	63.34% -15.9% YoY -3.2% QoQ	-1.95%	65.29% -4.5% YoY	72.13% +5.1% YoY	66.95% -4.1% YoY	50%
Delinquency Rate ?	0.00% -100.0% YoY -100.0% QoQ	-0.89%	0.89% +18.8% YoY	1.09% +24.8% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	79.60% +5.1% YoY -6.0% QoQ	+2.96%	76.64% +0.8% YoY	67.08% +2.0% YoY	76.70% +0.9% YoY	47%
Non-Interest-Bearing Deposit Share ?	20.95% +16.5% YoY +9.9% QoQ	-1.07%	22.02% -1.0% YoY	23.89% +0.0% YoY	22.01% -1.2% YoY	49%
Nonperforming Asset Ratio ?	0.15% +32.2% YoY -26.4% QoQ	-0.49%	0.64% +19.7% YoY	0.71% +24.8% YoY	0.67% +19.3% YoY	65%
Tier 1 Capital Ratio ?	11.49% +15.7% YoY -11.7% QoQ	-4.34%	15.83% +1.5% YoY	16.96% +13.8% YoY	17.06% +0.8% YoY	29%
Non-Interest Income / Assets ?	0.06% -12.1% YoY -89.9% QoQ	-0.22%	0.28% +9.3% YoY	0.16% -16.3% YoY	0.32% +4.1% YoY	23%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Top Weaknesses (2 metrics)

2045

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.28%

#2045 of 2664 Bottom 23.3% in $100M-$1B

2018

Net Interest Margin

profitability

Value: 3.36%

Peer Median: 3.93%

#2018 of 2664 Bottom 24.3% in $100M-$1B