BlastPoint's Banking Scorecard

First State Bank of DeKalb County

$100M-$1B Specialty: Other AL FDIC cert 23815

Fort Payne, 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 +3.3% year over year ($299.0M on the books).
Delinquency rate 0.85%.
Return on assets 2.26%.
Efficiency ratio 44.14% vs a 64.48% peer average.
Loan-to-deposit ratio 68.65% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 63 in AL

View $100M-$1B leaderboard (AL) →

First State Bank of DeKalb County has 4 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

+ Deposit Franchise: Top 18.3% in tier
+ Return on Assets 0.94% above tier average
+ Efficiency Ratio 20.34% below tier average
+ Delinquency Rate 0.06% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 34.0% in tier

Get updates when First State Bank of DeKalb County releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Total Assets ?	$353.8M +4.0% YoY +0.3% QoQ	-$32.7M	$386.6M +1.2% YoY	$2.5B +1.5% YoY	$6.3B +7.7% YoY	55%
Total Loans ?	$205.3M +9.1% YoY +5.2% QoQ	-$53.1M	$258.3M +1.7% YoY	$1.6B +2.8% YoY	$3.2B +9.4% YoY	49%
Total Deposits ?	$299.0M +3.3% YoY -0.1% QoQ	-$27.7M	$326.7M +0.7% YoY	$2.1B +0.3% YoY	$4.9B +7.3% YoY	55%
Return on Assets ?	2.26% -3.7% YoY -0.5% QoQ	+0.94%	1.32% +10.8% YoY	0.89% -13.0% YoY	1.30% +12.1% YoY	Top 7.6% in tier
Net Interest Margin ?	5.44% -2.1% YoY -0.9% QoQ	+1.45%	3.99% +5.0% YoY	4.02% +3.4% YoY	3.95% +4.9% YoY	Top 3.3% in tier
Efficiency Ratio ?	44.14% +8.3% YoY -2.3% QoQ	-20.34%	64.48% -3.2% YoY	69.53% +4.0% YoY	70.05% +2.5% YoY	Top 7.9% in tier
Delinquency Rate ?	0.85% -38.5% YoY -14.3% QoQ	-0.06%	0.92% +15.7% YoY	1.13% +25.5% YoY	0.98% +16.3% YoY	33%
Loan-to-Deposit Ratio ?	68.65% +5.6% YoY +5.3% QoQ	-9.30%	77.95% +1.0% YoY	67.62% +0.9% YoY	79.03% +2.3% YoY	71%
Non-Interest-Bearing Deposit Share ?	35.30% -0.5% YoY +0.1% QoQ	+13.27%	22.03% -0.6% YoY	24.04% +0.1% YoY	21.98% -0.6% YoY	Top 9.5% in tier
Nonperforming Asset Ratio ?	0.55% -27.9% YoY +0.5% QoQ	-0.12%	0.67% +16.4% YoY	0.74% +25.2% YoY	0.69% +15.8% YoY	37%
Tier 1 Capital Ratio ?	24.03% +9.3% YoY +0.5% QoQ	+8.12%	15.91% +1.4% YoY	15.01% +1.3% YoY	17.09% +0.8% YoY	Top 7.8% in tier
Non-Interest Income / Assets ?	0.19% +23.1% YoY +101.9% QoQ	-0.38%	0.57% +7.6% YoY	0.35% -14.4% YoY	0.66% +5.2% YoY	47%

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	35.3% -0.2pp YoY 0.0pp QoQ	+13.2pp	22.1%	24.0%	22.2%	90%
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	9.4% -0.4pp YoY -0.4pp QoQ	-2.1pp	11.6%	16.9%	12.5%	49%
CRE	29.3% -0.3pp YoY +0.5pp QoQ	-10.2pp	39.5%	43.5%	41.4%	34%
1-4 Family	45.9% +2.2pp YoY +0.5pp QoQ	+13.3pp	32.6%	30.6%	31.3%	78%
Consumer	8.2% -0.1pp YoY -0.2pp QoQ	+4.1pp	4.1%	5.7%	5.0%	89%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
CET1 Ratio	24.0% +2.0pp YoY +0.1pp QoQ	+5.2pp	18.8%	15.1%	19.7%	87%
Leverage Ratio	14.1% +1.0pp YoY +0.2pp QoQ	+2.0pp	12.2%	13.2%	12.6%	82%
Total Capital Ratio	25.3% +2.0pp YoY +0.1pp QoQ	+5.3pp	19.9%	16.2%	20.8%	88%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Full-Time Employees	55 -1 (-1.8%) YoY +2 (+3.8%) QoQ	-4	58	304	482	58%
Assets per Employee ($)	$6.4M +5.9% YoY -3.4% QoQ	-$1.1M	$7.5M	$6.9M	$8.8M	41%
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	0.5% +0.3pp YoY +0.1pp QoQ	+0.2pp	0.3%	0.2%	0.4%	83%
Nonaccrual	0.3% -0.8pp YoY -0.3pp QoQ	-0.6pp	0.9%	1.2%	1.0%	42%
Allowance Coverage	1.58x +70.0% YoY +14.6% QoQ	-22.57x	24.15x	7.50x	20.23x	41%
Net Charge-off Rate (YTD)	0.0% -0.3pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.3%	0.2%	51%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
ROE	17.1% -3.5pp YoY -0.4pp QoQ	+4.9pp	12.2%	10.0%	11.6%	78%
Cost of Funds (YTD)	1.1% -0.1pp YoY 0.0pp QoQ	-0.6pp	1.7%	1.7%	1.7%	15%
Net Income ($, YTD)	$4.0M -0.5% YoY — QoQ	+$1.5M	$2.6M	$17.2M	$40.4M	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

#52 of 278 • Top 18.3% 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: 35.30%

(Tier: 22.03%, National: 21.98%)

better than tier avg

Net Interest Margin: 5.44%

(Tier: 3.99%, National: 3.95%)

better than tier avg

278 of 278 Community banks match · 368 nationally

→ Stable -1 banks QoQ

Concerns (1)

Liquidity Overhang

risk

#253 of 742 • Bottom 34.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 24.03%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 68.65%

(Tier: 77.95%, National: 79.03%)

better than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

Net Interest Margin

profitability

Value: 5.44%

Peer Median: 3.99%

#87 of 2643 Top 3.3% in $100M-$1B

203

Return on Assets

profitability

Value: 2.26%

Peer Median: 1.32%

#203 of 2643 Top 7.6% in $100M-$1B

207

Tier 1 Capital Ratio

capital

Value: 24.03%

Peer Median: 15.91%

#207 of 2643 Top 7.8% in $100M-$1B

210

Efficiency Ratio

profitability

Value: 44.14%

Peer Median: 64.48%

#210 of 2643 Top 7.9% in $100M-$1B

252

Non-Interest-Bearing Deposit Share

funding

Value: 35.30%

Peer Median: 22.03%

#252 of 2643 Top 9.5% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available