BlastPoint's Banking Scorecard

Peoples Bank of Alabama

$1B-$10B Specialty: Commercial AL FDIC cert 22537

Designations: ✓ Community bank

Cullman, AL

28 branches across AL

883 banks in the $1B-$10B peer group nationally 15 in AL

Peoples Bank of Alabama has 3 strengths but faces 2 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

+ Deposit Franchise: Top 44.8% in tier
+ ROA 0.47% above tier average
+ Delinquency Rate 0.42% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 32.2% in tier
- Efficiency Ratio 2.34% above tier average

Get updates when Peoples Bank of Alabama releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Total Assets ?	$1.4B +1.0% YoY +1.7% QoQ	-$1.4B	$2.8B -0.1% YoY	$2.5B +0.2% YoY	$6.2B +9.0% YoY	30%
Total Loans ?	$908.8M +5.3% YoY +2.2% QoQ	-$1.1B	$2.0B +0.6% YoY	$1.5B +2.4% YoY	$3.2B +10.7% YoY	26%
Total Deposits ?	$1.3B -0.5% YoY +2.2% QoQ	-$1.1B	$2.3B -0.3% YoY	$2.1B -0.2% YoY	$4.8B +8.0% YoY	36%
Return on Assets ?	1.84% -0.9% YoY -7.3% QoQ	+0.47%	1.37% +19.6% YoY	0.78% -19.5% YoY	1.24% +13.1% YoY	Top 14.9% in tier
Net Interest Margin ?	4.53% +1.6% YoY -1.8% QoQ	+0.72%	3.82% +6.9% YoY	3.99% +5.2% YoY	3.89% +5.7% YoY	Top 11.1% in tier
Efficiency Ratio ?	63.39% +3.5% YoY +5.9% QoQ	+2.34%	61.05% -4.6% YoY	72.13% +5.1% YoY	66.84% -3.8% YoY	39%
Delinquency Rate ?	0.47% +102.8% YoY +136.2% QoQ	-0.42%	0.89% +14.1% YoY	1.09% +24.8% YoY	0.95% +18.8% YoY	56%
Loan-to-Deposit Ratio ?	71.00% +5.8% YoY -0.0% QoQ	-13.20%	84.20% +0.3% YoY	67.08% +2.0% YoY	76.69% +0.9% YoY	81%
Non-Interest-Bearing Deposit Share ?	34.09% -2.1% YoY +0.9% QoQ	+12.81%	21.28% -2.5% YoY	23.89% +0.0% YoY	22.01% -1.1% YoY	Top 10.5% in tier
Nonperforming Asset Ratio ?	0.33% +133.5% YoY +116.6% QoQ	-0.35%	0.67% +15.6% YoY	0.71% +24.8% YoY	0.66% +19.3% YoY	60%
Tier 1 Capital Ratio ?	15.58% +5.9% YoY -1.2% QoQ	+0.41%	15.17% +2.0% YoY	16.96% +13.8% YoY	17.06% +0.8% YoY	78%
Non-Interest Income / Assets ?	0.25% +5.1% YoY -74.6% QoQ	-0.01%	0.26% +1.6% YoY	0.16% -16.3% YoY	0.32% +4.0% YoY	80%

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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 (1)

Deposit Franchise

growth

#40 of 87 • Top 44.8% 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: 34.09%

(Tier: 21.28%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.53%

(Tier: 3.82%, National: 3.89%)

better than tier avg

87 of 87 Mid-Market banks match · 369 nationally

→ Stable -13 banks QoQ

Concerns (1)

Credit Risk Growth

risk

#136 of 419 • Bottom 32.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

419 of 419 Mid-Market banks match · 1462 nationally

→ Stable -11 banks QoQ

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 883 peers in $1B-$10B

Top Strengths (6 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 34.09%

Peer Median: 21.28%

#94 of 883 Top 10.5% in $1B-$10B

Net Interest Margin

profitability

Value: 4.53%

Peer Median: 3.82%

#99 of 883 Top 11.1% in $1B-$10B

133

Return on Assets

profitability

Value: 1.84%

Peer Median: 1.37%

#133 of 883 Top 14.9% in $1B-$10B

166

Loan-to-Deposit Ratio

liquidity

Value: 71.00%

Peer Median: 84.20%

#166 of 883 Top 18.7% in $1B-$10B

175

Non-Interest Income / Assets

revenue_mix

Value: 0.25%

Peer Median: 0.26%

#175 of 883 Top 19.7% in $1B-$10B

197

Tier 1 Capital Ratio

capital

Value: 15.58%

Peer Median: 15.17%

#197 of 883 Top 22.2% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available