BlastPoint's Banking Scorecard
Premier Bank of the South
Cullman, AL
9 branches across AL
Premier Bank of the South has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 17.3% in tier
- + Net Interest Margin 0.13% above tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 27.2% in tier
- - ROA 0.27% below tier average
- - Efficiency Ratio 8.44% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$372.1M
-0.8% YoY
-1.3% QoQ
|
-$14.0M |
$386.1M
+0.5% YoY
|
$2.5B
+0.2% YoY
|
$6.2B
+9.1% YoY
|
57% |
| Total Loans ? |
$226.5M
+9.9% YoY
+2.2% QoQ
|
-$29.2M |
$255.7M
+1.1% YoY
|
$1.5B
+2.4% YoY
|
$3.2B
+10.8% YoY
|
55% |
| Total Deposits ? |
$338.9M
-1.6% YoY
-1.5% QoQ
|
+$10.9M |
$328.0M
+0.1% YoY
|
$2.1B
-0.2% YoY
|
$4.8B
+8.2% YoY
|
61% |
| Return on Assets ? |
1.00%
-5.7% YoY
-9.7% QoQ
|
-0.27% |
1.27%
+12.9% YoY
|
0.78%
-19.5% YoY
|
1.23%
+13.4% YoY
|
37% |
| Net Interest Margin ? |
4.06%
+5.0% YoY
-0.7% QoQ
|
+0.13% |
3.93%
+6.0% YoY
|
3.99%
+5.2% YoY
|
3.89%
+5.7% YoY
|
60% |
| Efficiency Ratio ? |
73.73%
+1.9% YoY
+2.5% QoQ
|
+8.44% |
65.29%
-4.5% YoY
|
72.13%
+5.1% YoY
|
66.95%
-4.1% YoY
|
25% |
| Delinquency Rate ? |
0.03%
-3.5% YoY
-35.4% QoQ
|
-0.86% |
0.89%
+18.8% YoY
|
1.09%
+24.8% YoY
|
0.95%
+18.8% YoY
|
82% |
| Loan-to-Deposit Ratio ? |
66.83%
+11.7% YoY
+3.7% QoQ
|
-9.81% |
76.64%
+0.8% YoY
|
67.08%
+2.0% YoY
|
76.70%
+0.9% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
28.16%
+1.7% YoY
+5.7% QoQ
|
+6.14% |
22.02%
-1.0% YoY
|
23.89%
+0.0% YoY
|
22.01%
-1.2% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.02%
+6.9% YoY
-51.4% QoQ
|
-0.62% |
0.64%
+19.7% YoY
|
0.71%
+24.8% YoY
|
0.67%
+19.3% YoY
|
84% |
| Tier 1 Capital Ratio ? |
15.76%
-5.8% YoY
-2.9% QoQ
|
-0.07% |
15.83%
+1.5% YoY
|
16.96%
+13.8% YoY
|
17.06%
+0.8% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.18%
+4.0% YoY
-75.4% QoQ
|
-0.10% |
0.28%
+9.3% YoY
|
0.16%
-16.3% YoY
|
0.32%
+4.1% YoY
|
81% |
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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)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
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.