BlastPoint's Banking Scorecard

First National Bank

$100M-$1B Specialty: Other AL FDIC cert 22271

Hamilton, AL

5 branches across AL

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

First National Bank has 5 strengths but faces 1 concern

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

+ Revenue Diversifier: Top 27.0% in tier
+ Deposit Franchise: Top 43.0% in tier
+ Return on Assets 0.92% above tier average
+ Efficiency Ratio 15.35% below tier average
+ Delinquency Rate 0.67% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 16.8% in tier

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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 ?	$372.9M +2.3% YoY +0.7% QoQ	-$13.2M	$386.1M +0.5% YoY	$2.5B +0.2% YoY	$6.2B +9.1% YoY	57%
Total Loans ?	$146.8M -4.3% YoY -1.8% QoQ	-$108.9M	$255.7M +1.1% YoY	$1.5B +2.4% YoY	$3.2B +10.8% YoY	35%
Total Deposits ?	$306.4M +0.5% YoY +1.1% QoQ	-$21.6M	$328.0M +0.1% YoY	$2.1B -0.2% YoY	$4.8B +8.2% YoY	56%
Return on Assets ?	2.19% +4.6% YoY -6.9% QoQ	+0.92%	1.27% +12.9% YoY	0.78% -19.5% YoY	1.23% +13.4% YoY	Top 8.7% in tier
Net Interest Margin ?	4.57% -2.8% YoY -5.6% QoQ	+0.64%	3.93% +6.0% YoY	3.99% +5.2% YoY	3.89% +5.7% YoY	84%
Efficiency Ratio ?	49.94% -8.4% YoY +0.2% QoQ	-15.35%	65.29% -4.5% YoY	72.13% +5.1% YoY	66.95% -4.1% YoY	84%
Delinquency Rate ?	0.21% +46.7% YoY -9.4% QoQ	-0.67%	0.89% +18.8% YoY	1.09% +24.8% YoY	0.95% +18.8% YoY	63%
Loan-to-Deposit Ratio ?	47.93% -4.8% YoY -2.9% QoQ	-28.71%	76.64% +0.8% YoY	67.08% +2.0% YoY	76.70% +0.9% YoY	Top 7.9% in tier
Non-Interest-Bearing Deposit Share ?	39.15% +0.1% YoY +4.2% QoQ	+17.13%	22.02% -1.0% YoY	23.89% +0.0% YoY	22.01% -1.2% YoY	Top 5.5% in tier
Nonperforming Asset Ratio ?	0.08% +15.9% YoY -13.4% QoQ	-0.55%	0.64% +19.7% YoY	0.71% +24.8% YoY	0.67% +19.3% YoY	72%
Tier 1 Capital Ratio ?	19.07% +5.6% YoY +0.5% QoQ	+3.24%	15.83% +1.5% YoY	16.96% +13.8% YoY	17.06% +0.8% YoY	85%
Non-Interest Income / Assets ?	0.22% -11.8% YoY -75.4% QoQ	-0.06%	0.28% +9.3% YoY	0.16% -16.3% YoY	0.32% +4.1% YoY	Top 11.9% in tier

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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 (2)

Revenue Diversifier

growth

#181 of 666 • Top 27.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.22%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 2.19%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Deposit Franchise

growth

#118 of 272 • Top 43.0% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 39.15%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.57%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank declining

Concerns (1)

Credit Quality Pressure

risk

#221 of 1308 • Bottom 16.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.21%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank declining

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 (7 metrics)

148

Non-Interest-Bearing Deposit Share

funding

Value: 39.15%

Peer Median: 22.02%

#148 of 2664 Top 5.5% in $100M-$1B

212

Loan-to-Deposit Ratio

liquidity

Value: 47.93%

Peer Median: 76.64%

#212 of 2664 Top 7.9% in $100M-$1B

234

Return on Assets

profitability

Value: 2.19%

Peer Median: 1.27%

#234 of 2664 Top 8.7% in $100M-$1B

318

Non-Interest Income / Assets

revenue_mix

Value: 0.22%

Peer Median: 0.28%

#318 of 2664 Top 11.9% in $100M-$1B

412

Tier 1 Capital Ratio

capital

Value: 19.07%

Peer Median: 15.83%

#412 of 2664 Top 15.4% in $100M-$1B

424

Efficiency Ratio

profitability

Value: 49.94%

Peer Median: 65.29%

#424 of 2664 Top 15.9% in $100M-$1B

432

Net Interest Margin

profitability

Value: 4.57%

Peer Median: 3.93%

#432 of 2664 Top 16.2% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available