BlastPoint's Banking Scorecard
First State Bank of the South, Inc.
Sulligent, AL
5 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 +0.5% year over year ($109.2M on the books).
- Delinquency rate 0.24%.
- Return on assets 1.05%.
- Efficiency ratio 65.88% vs a 64.48% peer average.
- Loan-to-deposit ratio 51.81% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First State Bank of the South, Inc. has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.68% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 32.7% in tier
- - ROA 0.28% below tier average
- - Efficiency Ratio 1.40% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$130.7M
-0.4% YoY
+1.0% QoQ
|
-$255.9M |
$386.6M
+1.2% YoY
|
$2.5B
+1.5% YoY
|
$6.3B
+7.7% YoY
|
Bottom 8.4% in tier |
| Total Loans ? |
$56.5M
-2.2% YoY
-6.6% QoQ
|
-$201.8M |
$258.3M
+1.7% YoY
|
$1.6B
+2.8% YoY
|
$3.2B
+9.4% YoY
|
Bottom 4.1% in tier |
| Total Deposits ? |
$109.2M
+0.5% YoY
+0.9% QoQ
|
-$217.6M |
$326.7M
+0.7% YoY
|
$2.1B
+0.3% YoY
|
$4.9B
+7.3% YoY
|
Bottom 8.4% in tier |
| Return on Assets ? |
1.05%
+12.8% YoY
-3.4% QoQ
|
-0.28% |
1.32%
+10.8% YoY
|
0.89%
-13.0% YoY
|
1.30%
+12.1% YoY
|
37% |
| Net Interest Margin ? |
3.98%
+7.5% YoY
-1.0% QoQ
|
-0.01% |
3.99%
+5.0% YoY
|
4.02%
+3.4% YoY
|
3.95%
+4.9% YoY
|
52% |
| Efficiency Ratio ? |
65.88%
-5.9% YoY
+2.6% QoQ
|
+1.40% |
64.48%
-3.2% YoY
|
69.53%
+4.0% YoY
|
70.05%
+2.5% YoY
|
40% |
| Delinquency Rate ? |
0.24%
-32.0% YoY
-54.7% QoQ
|
-0.68% |
0.92%
+15.7% YoY
|
1.13%
+25.5% YoY
|
0.98%
+16.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
51.81%
-2.7% YoY
-7.5% QoQ
|
-26.15% |
77.95%
+1.0% YoY
|
67.62%
+0.9% YoY
|
79.03%
+2.3% YoY
|
Top 9.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.49%
-1.6% YoY
-5.8% QoQ
|
+1.46% |
22.03%
-0.6% YoY
|
24.04%
+0.1% YoY
|
21.98%
-0.6% YoY
|
61% |
| Nonperforming Asset Ratio ? |
0.94%
+87.0% YoY
-13.3% QoQ
|
+0.27% |
0.67%
+16.4% YoY
|
0.74%
+25.2% YoY
|
0.69%
+15.8% YoY
|
22% |
| Tier 1 Capital Ratio ? |
16.38%
+5.2% YoY
+0.3% QoQ
|
+0.47% |
15.91%
+1.4% YoY
|
15.01%
+1.3% YoY
|
17.09%
+0.8% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.25%
-7.0% YoY
+96.2% 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
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 |
23.5%
-0.4pp YoY -1.4pp QoQ |
+1.3pp | 22.1% | 24.0% | 22.2% | 60% |
| Brokered Deposits | n/a | n/a | 7.9% | 5.5% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
9.7%
+0.6pp YoY +0.8pp QoQ |
-1.9pp | 11.6% | 16.9% | 12.5% | 51% |
| CRE | n/a | n/a | 39.5% | 43.5% | 41.4% | n/a |
| 1-4 Family |
39.2%
-0.6pp YoY -0.3pp QoQ |
+6.5pp | 32.6% | 30.6% | 31.3% | 68% |
| Consumer |
12.8%
-0.1pp YoY -0.1pp QoQ |
+8.7pp | 4.1% | 5.7% | 5.0% | 95% |
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 |
16.4%
+0.8pp YoY 0.0pp QoQ |
+4.2pp | 12.2% | 13.2% | 12.6% | 92% |
| 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 |
35
-1 (-2.8%) YoY 0 QoQ |
-24 | 58 | 304 | 482 | 35% |
| Assets per Employee ($) |
$3.7M
+2.4% YoY +1.0% QoQ |
-$3.8M | $7.5M | $6.9M | $8.8M | 3% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 20 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
-0.2pp YoY -0.2pp QoQ |
-0.3pp | 0.3% | 0.2% | 0.4% | 41% |
| Nonaccrual |
0.2%
+0.1pp YoY -0.1pp QoQ |
-0.8pp | 0.9% | 1.2% | 1.0% | 28% |
| Allowance Coverage |
4.84x
+61.0% YoY +141.5% QoQ |
-19.32x | 24.15x | 7.50x | 20.23x | 70% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.3% | 0.2% | 14% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.0%
+0.1pp YoY -0.3pp QoQ |
-5.2pp | 12.2% | 10.0% | 11.6% | 20% |
| Cost of Funds (YTD) |
1.7%
-0.3pp YoY 0.0pp QoQ |
0.0pp | 1.7% | 1.7% | 1.7% | 48% |
| Net Income ($, YTD) |
$680,000
+12.6% YoY — QoQ |
-$1.9M | $2.6M | $17.2M | $40.4M | 16% |
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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 (1)
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.