BlastPoint's Banking Scorecard
First State Bank of DeKalb County
Fort Payne, AL
5 branches across AL
First State Bank of DeKalb County has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 19.1% in tier
- + Return on Assets 1.00% above tier average
- + Efficiency Ratio 20.11% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 39.0% in tier
- - Delinquency Rate 0.11% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$352.9M
+2.6% YoY
-0.8% QoQ
|
-$33.2M |
$386.1M
+0.5% YoY
|
$2.5B
+0.2% YoY
|
$6.2B
+9.1% YoY
|
55% |
| Total Loans ? |
$195.1M
+7.3% YoY
+2.3% QoQ
|
-$60.6M |
$255.7M
+1.1% YoY
|
$1.5B
+2.4% YoY
|
$3.2B
+10.8% YoY
|
47% |
| Total Deposits ? |
$299.3M
+1.5% YoY
-1.7% QoQ
|
-$28.7M |
$328.0M
+0.1% YoY
|
$2.1B
-0.2% YoY
|
$4.8B
+8.2% YoY
|
54% |
| Return on Assets ? |
2.27%
-0.9% YoY
+0.4% QoQ
|
+1.00% |
1.27%
+12.9% YoY
|
0.78%
-19.5% YoY
|
1.23%
+13.4% YoY
|
Top 7.6% in tier |
| Net Interest Margin ? |
5.49%
-2.5% YoY
-0.8% QoQ
|
+1.56% |
3.93%
+6.0% YoY
|
3.99%
+5.2% YoY
|
3.89%
+5.7% YoY
|
Top 3.0% in tier |
| Efficiency Ratio ? |
45.17%
+9.4% YoY
+6.8% QoQ
|
-20.11% |
65.29%
-4.5% YoY
|
72.13%
+5.1% YoY
|
66.95%
-4.1% YoY
|
Top 9.1% in tier |
| Delinquency Rate ? |
1.00%
-50.0% YoY
-33.0% QoQ
|
+0.11% |
0.89%
+18.8% YoY
|
1.09%
+24.8% YoY
|
0.95%
+18.8% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
65.19%
+5.7% YoY
+4.1% QoQ
|
-11.45% |
76.64%
+0.8% YoY
|
67.08%
+2.0% YoY
|
76.70%
+0.9% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
35.25%
-1.8% YoY
-2.2% QoQ
|
+13.24% |
22.02%
-1.0% YoY
|
23.89%
+0.0% YoY
|
22.01%
-1.2% YoY
|
Top 9.6% in tier |
| Nonperforming Asset Ratio ? |
0.55%
-52.6% YoY
-34.8% QoQ
|
-0.09% |
0.64%
+19.7% YoY
|
0.71%
+24.8% YoY
|
0.67%
+19.3% YoY
|
35% |
| Tier 1 Capital Ratio ? |
23.91%
+20.1% YoY
+4.2% QoQ
|
+8.08% |
15.83%
+1.5% YoY
|
16.96%
+13.8% YoY
|
17.06%
+0.8% YoY
|
Top 7.7% in tier |
| Non-Interest Income / Assets ? |
0.09%
+21.1% YoY
-73.0% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.16%
-16.3% YoY
|
0.32%
+4.1% YoY
|
48% |
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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)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.