BlastPoint's Banking Scorecard
West Alabama Bank & Trust
Designations: ✓ CDFI-certified
Reform, AL
16 branches across AL
West Alabama Bank & Trust has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 9.56% below tier average
- + Delinquency Rate 0.48% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 9.7% in tier
- - Flatlined Growth: Bottom 45.7% in tier
- - Net Interest Margin 0.44% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$928.2M
-0.7% YoY
-7.3% QoQ
|
+$542.2M |
$386.1M
+0.5% YoY
|
$2.5B
+0.2% YoY
|
$6.2B
+9.1% YoY
|
Top 2.7% in tier |
| Total Loans ? |
$579.6M
+0.1% YoY
+1.4% QoQ
|
+$323.9M |
$255.7M
+1.1% YoY
|
$1.5B
+2.4% YoY
|
$3.2B
+10.8% YoY
|
Top 6.8% in tier |
| Total Deposits ? |
$808.1M
-0.5% YoY
-8.7% QoQ
|
+$480.1M |
$328.0M
+0.1% YoY
|
$2.1B
-0.2% YoY
|
$4.8B
+8.2% YoY
|
Top 2.1% in tier |
| Return on Assets ? |
1.28%
+24.5% YoY
+15.3% QoQ
|
+0.01% |
1.27%
+12.9% YoY
|
0.78%
-19.5% YoY
|
1.23%
+13.4% YoY
|
54% |
| Net Interest Margin ? |
3.49%
+6.6% YoY
+3.5% QoQ
|
-0.44% |
3.93%
+6.0% YoY
|
3.99%
+5.2% YoY
|
3.89%
+5.7% YoY
|
30% |
| Efficiency Ratio ? |
55.72%
-7.9% YoY
-4.5% QoQ
|
-9.56% |
65.29%
-4.5% YoY
|
72.13%
+5.1% YoY
|
66.95%
-4.1% YoY
|
72% |
| Delinquency Rate ? |
0.41%
-57.7% YoY
-11.3% QoQ
|
-0.48% |
0.89%
+18.8% YoY
|
1.09%
+24.8% YoY
|
0.95%
+18.8% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
71.73%
+0.6% YoY
+11.1% QoQ
|
-4.91% |
76.64%
+0.8% YoY
|
67.08%
+2.0% YoY
|
76.70%
+0.9% YoY
|
64% |
| Non-Interest-Bearing Deposit Share ? |
25.48%
-21.3% YoY
-21.6% QoQ
|
+3.46% |
22.02%
-1.0% YoY
|
23.89%
+0.0% YoY
|
22.01%
-1.2% YoY
|
68% |
| Nonperforming Asset Ratio ? |
0.72%
-11.0% YoY
-6.4% QoQ
|
+0.08% |
0.64%
+19.7% YoY
|
0.71%
+24.8% YoY
|
0.67%
+19.3% YoY
|
29% |
| Tier 1 Capital Ratio ? |
12.03%
+8.9% YoY
+5.1% QoQ
|
-3.80% |
15.83%
+1.5% YoY
|
16.96%
+13.8% YoY
|
17.06%
+0.8% YoY
|
36% |
| Non-Interest Income / Assets ? |
0.17%
+16.3% YoY
-75.0% QoQ
|
-0.11% |
0.28%
+9.3% YoY
|
0.16%
-16.3% YoY
|
0.32%
+4.1% YoY
|
80% |
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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 (0)
Concerns (2)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.