BlastPoint's Banking Scorecard

Brantley Bank and Trust Company

$100M-$1B Specialty: Commercial AL FDIC cert 16386

Brantley, AL

4 branches across AL

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

Brantley Bank and Trust Company has 1 strength but faces 5 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

+ Net Interest Margin 0.96% above tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 35.0% in tier
- Delinquency Rate 1.56% above tier average
- Nonperforming Asset Ratio 1.03% above tier average
- ROA 0.55% below tier average
- Efficiency Ratio 10.96% above 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 ?	$122.3M +2.9% YoY +5.1% QoQ	-$263.8M	$386.1M +0.5% YoY	$2.5B +0.2% YoY	$6.2B +9.1% YoY	Bottom 6.6% in tier
Total Loans ?	$75.0M +3.2% YoY +1.0% QoQ	-$180.7M	$255.7M +1.1% YoY	$1.5B +2.4% YoY	$3.2B +10.8% YoY	Bottom 9.1% in tier
Total Deposits ?	$111.7M +2.2% YoY +6.0% QoQ	-$216.3M	$328.0M +0.1% YoY	$2.1B -0.2% YoY	$4.8B +8.2% YoY	Bottom 9.3% in tier
Return on Assets ?	0.72% +211.7% YoY +19.1% QoQ	-0.55%	1.27% +12.9% YoY	0.78% -19.5% YoY	1.23% +13.4% YoY	22%
Net Interest Margin ?	4.89% +15.3% YoY +5.3% QoQ	+0.96%	3.93% +6.0% YoY	3.99% +5.2% YoY	3.89% +5.7% YoY	Top 8.9% in tier
Efficiency Ratio ?	76.25% -15.3% YoY -5.6% QoQ	+10.96%	65.29% -4.5% YoY	72.13% +5.1% YoY	66.95% -4.1% YoY	20%
Delinquency Rate ?	2.44% -20.1% YoY +35.7% QoQ	+1.56%	0.89% +18.8% YoY	1.09% +24.8% YoY	0.95% +18.8% YoY	Bottom 8.7% in tier
Loan-to-Deposit Ratio ?	67.17% +1.0% YoY -4.6% QoQ	-9.47%	76.64% +0.8% YoY	67.08% +2.0% YoY	76.70% +0.9% YoY	72%
Non-Interest-Bearing Deposit Share ?	25.75% +8.4% YoY -0.2% QoQ	+3.73%	22.02% -1.0% YoY	23.89% +0.0% YoY	22.01% -1.2% YoY	69%
Nonperforming Asset Ratio ?	1.67% -13.6% YoY +26.7% QoQ	+1.03%	0.64% +19.7% YoY	0.71% +24.8% YoY	0.67% +19.3% YoY	Bottom 9.6% in tier
Tier 1 Capital Ratio ?	10.48% -0.6% YoY +1.7% QoQ	-5.35%	15.83% +1.5% YoY	16.96% +13.8% YoY	17.06% +0.8% YoY	16%
Non-Interest Income / Assets ?	0.11% +26.0% YoY -74.3% QoQ	-0.17%	0.28% +9.3% YoY	0.16% -16.3% YoY	0.32% +4.1% YoY	60%

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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 (1)

Capital Thin

risk

#234 of 666 • Bottom 35.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.48%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

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)

239

Net Interest Margin

profitability

Value: 4.89%

Peer Median: 3.93%

#239 of 2664 Top 8.9% in $100M-$1B

Top Weaknesses (8 metrics)

2489

Total Assets

size

Value: $122.31M

Peer Median: $386.08M

#2489 of 2664 Bottom 6.6% in $100M-$1B

2424

Delinquency Rate

credit_quality

Value: 2.44%

Peer Median: 0.89%

#2424 of 2654 Bottom 8.7% in $100M-$1B

2422

Total Loans

size

Value: $75.00M

Peer Median: $255.72M

#2422 of 2664 Bottom 9.1% in $100M-$1B

2418

Total Deposits

size

Value: $111.67M

Peer Median: $327.97M

#2418 of 2664 Bottom 9.3% in $100M-$1B

2410

Nonperforming Asset Ratio

credit_quality

Value: 1.67%

Peer Median: 0.64%

#2410 of 2664 Bottom 9.6% in $100M-$1B

2241

Tier 1 Capital Ratio

capital

Value: 10.48%

Peer Median: 15.83%

#2241 of 2664 Bottom 15.9% in $100M-$1B

2124

Efficiency Ratio

profitability

Value: 76.25%

Peer Median: 65.29%

#2124 of 2664 Bottom 20.3% in $100M-$1B

2082

Return on Assets

profitability

Value: 0.72%

Peer Median: 1.27%

#2082 of 2664 Bottom 21.9% in $100M-$1B