BlastPoint's Banking Scorecard
22nd State Banking Company
Mobile, AL
4 branches across AL
22nd State Banking Company has 2 strengths but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 42.8% in tier
- + Net Interest Margin 2.63% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 3.1% in tier
- - Efficiency Drag: Bottom 10.6% in tier
- - Deposit Outflow: Bottom 14.8% in tier
- - Capital Constraint: Bottom 41.7% in tier
- - Return on Assets 0.96% below tier average
- - Delinquency Rate 4.49% above tier average
- - Nonperforming Asset Ratio 3.60% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$271.9M
-17.1% YoY
-0.3% QoQ
|
-$114.2M |
$386.1M
+0.5% YoY
|
$2.5B
+0.2% YoY
|
$6.2B
+9.1% YoY
|
41% |
| Total Loans ? |
$214.3M
-13.2% YoY
+2.1% QoQ
|
-$41.4M |
$255.7M
+1.1% YoY
|
$1.5B
+2.4% YoY
|
$3.2B
+10.8% YoY
|
52% |
| Total Deposits ? |
$223.9M
-22.6% YoY
+0.2% QoQ
|
-$104.0M |
$328.0M
+0.1% YoY
|
$2.1B
-0.2% YoY
|
$4.8B
+8.2% YoY
|
40% |
| Return on Assets ? |
0.31%
-77.7% YoY
-82.7% QoQ
|
-0.96% |
1.27%
+12.9% YoY
|
0.78%
-19.5% YoY
|
1.23%
+13.4% YoY
|
Bottom 8.3% in tier |
| Net Interest Margin ? |
6.56%
-5.2% YoY
-10.2% QoQ
|
+2.63% |
3.93%
+6.0% YoY
|
3.99%
+5.2% YoY
|
3.89%
+5.7% YoY
|
Top 0.7% in tier |
| Efficiency Ratio ? |
95.79%
+29.7% YoY
+38.8% QoQ
|
+30.50% |
65.29%
-4.5% YoY
|
72.13%
+5.1% YoY
|
66.95%
-4.1% YoY
|
Bottom 3.6% in tier |
| Delinquency Rate ? |
5.38%
+162.3% YoY
+23.5% QoQ
|
+4.49% |
0.89%
+18.8% YoY
|
1.09%
+24.8% YoY
|
0.95%
+18.8% YoY
|
Bottom 1.7% in tier |
| Loan-to-Deposit Ratio ? |
95.71%
+12.0% YoY
+1.8% QoQ
|
+19.07% |
76.64%
+0.8% YoY
|
67.08%
+2.0% YoY
|
76.70%
+0.9% YoY
|
Bottom 14.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.69%
-2.1% YoY
-4.0% QoQ
|
+3.67% |
22.02%
-1.0% YoY
|
23.89%
+0.0% YoY
|
22.01%
-1.2% YoY
|
69% |
| Nonperforming Asset Ratio ? |
4.24%
+145.1% YoY
+26.5% QoQ
|
+3.60% |
0.64%
+19.7% YoY
|
0.71%
+24.8% YoY
|
0.67%
+19.3% YoY
|
Bottom 1.3% in tier |
| Tier 1 Capital Ratio ? |
13.68%
+24.6% YoY
-2.8% QoQ
|
-2.15% |
15.83%
+1.5% YoY
|
16.96%
+13.8% YoY
|
17.06%
+0.8% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.38%
-30.0% YoY
-89.4% QoQ
|
+0.10% |
0.28%
+9.3% YoY
|
0.16%
-16.3% YoY
|
0.32%
+4.1% YoY
|
Top 4.7% in tier |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (4)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.