BlastPoint's Banking Scorecard
First Metro Bank
Designations: ✓ Community bank
Muscle Shoals, AL
11 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 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in AL.
- Deposits -0.0% year over year ($893.7M on the books).
- Delinquency rate 0.13%.
- Return on assets 1.62%.
- Efficiency ratio 44.72% vs a 59.73% peer average.
- Loan-to-deposit ratio 66.44% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Metro Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.23% above tier average
- + Efficiency Ratio 15.01% below tier average
- + Delinquency Rate 0.73% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.18% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+1.4% YoY
+0.3% QoQ
|
-$1.8B |
$2.8B
-0.6% YoY
|
$2.5B
+1.5% YoY
|
$6.3B
+7.7% YoY
|
Bottom 1.4% in tier |
| Total Loans ? |
$593.8M
+6.7% YoY
+1.5% QoQ
|
-$1.4B |
$2.0B
-0.3% YoY
|
$1.6B
+2.8% YoY
|
$3.2B
+9.4% YoY
|
Bottom 4.3% in tier |
| Total Deposits ? |
$893.7M
-0.0% YoY
-0.1% QoQ
|
-$1.4B |
$2.3B
-0.5% YoY
|
$2.1B
+0.3% YoY
|
$4.9B
+7.3% YoY
|
Bottom 7.2% in tier |
| Return on Assets ? |
1.62%
-1.8% YoY
+3.1% QoQ
|
+0.23% |
1.39%
+17.0% YoY
|
0.89%
-13.0% YoY
|
1.30%
+12.1% YoY
|
75% |
| Net Interest Margin ? |
3.69%
-1.8% YoY
+2.5% QoQ
|
-0.18% |
3.87%
+6.2% YoY
|
4.02%
+3.4% YoY
|
3.95%
+4.9% YoY
|
49% |
| Efficiency Ratio ? |
44.72%
+0.8% YoY
-1.8% QoQ
|
-15.01% |
59.73%
-12.6% YoY
|
69.53%
+4.0% YoY
|
70.05%
+2.5% YoY
|
Top 11.2% in tier |
| Delinquency Rate ? |
0.13%
-66.1% YoY
+31.4% QoQ
|
-0.73% |
0.87%
+11.7% YoY
|
1.13%
+25.5% YoY
|
0.98%
+16.3% YoY
|
84% |
| Loan-to-Deposit Ratio ? |
66.44%
+6.7% YoY
+1.6% QoQ
|
-18.59% |
85.04%
-0.1% YoY
|
67.62%
+0.9% YoY
|
79.03%
+2.3% YoY
|
Top 12.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.82%
-11.9% YoY
+2.5% QoQ
|
-5.46% |
21.27%
-1.5% YoY
|
24.04%
+0.1% YoY
|
21.98%
-0.6% YoY
|
31% |
| Nonperforming Asset Ratio ? |
0.11%
-53.7% YoY
+20.3% QoQ
|
-0.56% |
0.67%
+11.7% YoY
|
0.74%
+25.2% YoY
|
0.69%
+15.8% YoY
|
83% |
| Tier 1 Capital Ratio ? |
12.98%
+7.8% YoY
+2.2% QoQ
|
-1.86% |
14.84%
-0.4% YoY
|
15.01%
+1.3% YoY
|
17.09%
+0.8% YoY
|
48% |
| Non-Interest Income / Assets ? |
0.23%
+2.4% YoY
+97.5% QoQ
|
-0.30% |
0.53%
+2.5% YoY
|
0.35%
-14.4% YoY
|
0.66%
+5.2% YoY
|
36% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
15.8%
-2.1pp YoY +0.4pp QoQ |
-5.6pp | 21.4% | 24.0% | 22.2% | 30% |
| Brokered Deposits | n/a | n/a | 9.5% | 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 |
11.4%
-0.4pp YoY +0.8pp QoQ |
-2.6pp | 14.0% | 16.9% | 12.5% | 51% |
| CRE |
52.4%
+4.5pp YoY +0.3pp QoQ |
+2.4pp | 50.0% | 43.5% | 41.4% | 58% |
| 1-4 Family |
31.2%
-3.0pp YoY -0.6pp QoQ |
+4.7pp | 26.4% | 30.6% | 31.3% | 68% |
| Consumer |
2.7%
-0.2pp YoY -0.1pp QoQ |
-2.0pp | 4.7% | 5.7% | 5.0% | 71% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 15.1% | 19.7% | n/a |
| Leverage Ratio |
13.0%
+0.9pp YoY +0.3pp QoQ |
+1.7pp | 11.3% | 13.2% | 12.6% | 85% |
| Total Capital Ratio | n/a | n/a | 16.7% | 16.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
133
+1 (+0.8%) YoY 0 QoQ |
-181 | 313 | 304 | 482 | 18% |
| Assets per Employee ($) |
$7.6M
+0.6% YoY +0.3% QoQ |
-$2.9M | $10.5M | $6.9M | $8.8M | 33% |
| Branch Count |
11
0 YoY 0 QoQ |
-9 | 20 | 20 | 18 | 35% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY |
-0.1pp | 0.2% | 0.2% | 0.4% | 35% |
| Nonaccrual |
0.1%
-0.2pp YoY 0.0pp QoQ |
-0.7pp | 0.8% | 1.2% | 1.0% | 13% |
| Allowance Coverage |
7.59x
+154.9% YoY -24.9% QoQ |
-11.12x | 18.71x | 7.50x | 20.23x | 84% |
| Net Charge-off Rate (YTD) |
0.2%
+0.2pp YoY -0.2pp QoQ |
0.0pp | 0.3% | 0.3% | 0.2% | 81% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.8%
-2.7pp YoY +0.3pp QoQ |
+2.2pp | 12.6% | 10.0% | 11.6% | 72% |
| Cost of Funds (YTD) |
1.6%
+0.1pp YoY 0.0pp QoQ |
-0.4pp | 1.9% | 1.7% | 1.7% | 26% |
| Net Income ($, YTD) |
$8.2M
-0.1% YoY — QoQ |
-$11.1M | $19.2M | $17.2M | $40.4M | 30% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.