BlastPoint's Banking Scorecard

Brantley Bank and Trust Company

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

Brantley, AL

4 branches across AL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 63 in AL.
Deposits +2.8% year over year ($115.9M on the books).
Delinquency rate 2.58%.
Return on assets 0.75%.
Efficiency ratio 76.21% vs a 64.48% peer average.
Loan-to-deposit ratio 65.08% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 63 in AL

View $100M-$1B leaderboard (AL) →

Brantley Bank and Trust Company has 1 strength but faces 4 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 1.08% above tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 30.7% in tier
- Delinquency Rate 1.66% above tier average
- ROA 0.57% below tier average
- Efficiency Ratio 11.73% above tier average

Get updates when Brantley Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Total Assets ?	$126.9M +3.4% YoY +3.7% QoQ	-$259.7M	$386.6M +1.2% YoY	$2.5B +1.5% YoY	$6.3B +7.7% YoY	Bottom 7.6% in tier
Total Loans ?	$75.4M +1.5% YoY +0.6% QoQ	-$182.9M	$258.3M +1.7% YoY	$1.6B +2.8% YoY	$3.2B +9.4% YoY	Bottom 8.7% in tier
Total Deposits ?	$115.9M +2.8% YoY +3.8% QoQ	-$210.8M	$326.7M +0.7% YoY	$2.1B +0.3% YoY	$4.9B +7.3% YoY	Bottom 10.4% in tier
Return on Assets ?	0.75% +62.0% YoY +4.1% QoQ	-0.57%	1.32% +10.8% YoY	0.89% -13.0% YoY	1.30% +12.1% YoY	21%
Net Interest Margin ?	5.06% +15.1% YoY +3.5% QoQ	+1.08%	3.99% +5.0% YoY	4.02% +3.4% YoY	3.95% +4.9% YoY	Top 7.3% in tier
Efficiency Ratio ?	76.21% -9.1% YoY -0.0% QoQ	+11.73%	64.48% -3.2% YoY	69.53% +4.0% YoY	70.05% +2.5% YoY	19%
Delinquency Rate ?	2.58% +52.1% YoY +5.7% QoQ	+1.66%	0.92% +15.7% YoY	1.13% +25.5% YoY	0.98% +16.3% YoY	Bottom 8.2% in tier
Loan-to-Deposit Ratio ?	65.08% -1.3% YoY -3.1% QoQ	-12.87%	77.95% +1.0% YoY	67.62% +0.9% YoY	79.03% +2.3% YoY	76%
Non-Interest-Bearing Deposit Share ?	25.02% +6.5% YoY -2.8% QoQ	+2.99%	22.03% -0.6% YoY	24.04% +0.1% YoY	21.98% -0.6% YoY	66%
Nonperforming Asset Ratio ?	1.69% +64.5% YoY +1.2% QoQ	+1.02%	0.67% +16.4% YoY	0.74% +25.2% YoY	0.69% +15.8% YoY	Bottom 10.0% in tier
Tier 1 Capital Ratio ?	10.14% +1.2% YoY -3.2% QoQ	-5.76%	15.91% +1.4% YoY	15.01% +1.3% YoY	17.09% +0.8% YoY	Bottom 12.6% in tier
Non-Interest Income / Assets ?	0.24% +20.5% YoY +112.8% QoQ	-0.32%	0.57% +7.6% YoY	0.35% -14.4% YoY	0.66% +5.2% YoY	62%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Noninterest-Bearing	25.0% +1.5pp YoY -0.7pp QoQ	+2.9pp	22.1%	24.0%	22.2%	66%
Brokered Deposits	8.6% -4.6pp YoY -1.7pp QoQ	+0.8pp	7.9%	5.5%	8.5%	71%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
C&I	11.2% 0.0pp YoY -1.0pp QoQ	-0.3pp	11.6%	16.9%	12.5%	60%
CRE	53.9% -2.9pp YoY +0.4pp QoQ	+14.4pp	39.5%	43.5%	41.4%	76%
1-4 Family	20.2% +5.6pp YoY +1.5pp QoQ	-12.4pp	32.6%	30.6%	31.3%	30%
Consumer	7.7% +1.5pp YoY +0.3pp QoQ	+3.6pp	4.1%	5.7%	5.0%	88%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	15.1%	19.7%	n/a
Leverage Ratio	10.1% +0.1pp YoY -0.3pp QoQ	-2.0pp	12.2%	13.2%	12.6%	34%
Total Capital Ratio	n/a	n/a	19.9%	16.2%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Full-Time Employees	31 +2 (+6.9%) YoY +2 (+6.9%) QoQ	-28	58	304	482	28%
Assets per Employee ($)	$4.1M -3.3% YoY -3.0% QoQ	-$3.4M	$7.5M	$6.9M	$8.8M	5%
Branch Count	4 0 YoY 0 QoQ	-1	4	20	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Past Due 90+ Days	0.5% +0.3pp YoY +0.1pp QoQ	+0.2pp	0.3%	0.2%	0.4%	83%
Nonaccrual	2.1% +0.6pp YoY +0.1pp QoQ	+1.1pp	0.9%	1.2%	1.0%	88%
Allowance Coverage	0.45x -18.8% YoY -0.4% QoQ	-23.70x	24.15x	7.50x	20.23x	8%
Net Charge-off Rate (YTD)	0.3% 0.0pp YoY -0.1pp QoQ	+0.2pp	0.1%	0.3%	0.2%	91%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
ROE	8.9% +3.0pp YoY +0.5pp QoQ	-3.3pp	12.2%	10.0%	11.6%	30%
Cost of Funds (YTD)	1.5% -0.5pp YoY +0.1pp QoQ	-0.2pp	1.7%	1.7%	1.7%	36%
Net Income ($, YTD)	$457,000 +68.6% YoY — QoQ	-$2.1M	$2.6M	$17.2M	$40.4M	10%

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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

#204 of 661 • Bottom 30.7% 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: 10.14%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | 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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

193

Net Interest Margin

profitability

Value: 5.06%

Peer Median: 3.99%

#193 of 2643 Top 7.3% in $100M-$1B

625

Loan-to-Deposit Ratio

liquidity

Value: 65.08%

Peer Median: 77.95%

#625 of 2643 Top 23.6% in $100M-$1B

Top Weaknesses (8 metrics)

2442

Total Assets

size

Value: $126.86M

Peer Median: $386.57M

#2442 of 2643 Bottom 7.6% in $100M-$1B

2419

Delinquency Rate

credit_quality

Value: 2.58%

Peer Median: 0.92%

#2419 of 2633 Bottom 8.2% in $100M-$1B

2415

Total Loans

size

Value: $75.42M

Peer Median: $258.35M

#2415 of 2643 Bottom 8.7% in $100M-$1B

2379

Nonperforming Asset Ratio

credit_quality

Value: 1.69%

Peer Median: 0.67%

#2379 of 2643 Bottom 10.0% in $100M-$1B

2368

Total Deposits

size

Value: $115.89M

Peer Median: $326.73M

#2368 of 2643 Bottom 10.4% in $100M-$1B

2311

Tier 1 Capital Ratio

capital

Value: 10.14%

Peer Median: 15.91%

#2311 of 2643 Bottom 12.6% in $100M-$1B

2154

Efficiency Ratio

profitability

Value: 76.21%

Peer Median: 64.48%

#2154 of 2643 Bottom 18.5% in $100M-$1B

2091

Return on Assets

profitability

Value: 0.75%

Peer Median: 1.32%

#2091 of 2643 Bottom 20.9% in $100M-$1B