BlastPoint's Banking Scorecard
First Metro Bank
Designations: ✓ Community bank
Muscle Shoals, AL
11 branches across AL
First Metro Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 18.6% in tier
- + ROA 0.21% above tier average
- + Efficiency Ratio 15.53% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 10.3% in tier
- - Credit Risk Growth: Bottom 16.4% in tier
- - Net Interest Margin 0.22% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+1.2% YoY
+0.2% QoQ
|
-$1.8B |
$2.8B
-0.1% YoY
|
$2.5B
+0.2% YoY
|
$6.2B
+9.1% YoY
|
Bottom 0.9% in tier |
| Total Loans ? |
$585.2M
+4.5% YoY
+0.7% QoQ
|
-$1.4B |
$2.0B
+0.6% YoY
|
$1.5B
+2.4% YoY
|
$3.2B
+10.8% YoY
|
Bottom 4.4% in tier |
| Total Deposits ? |
$895.0M
-0.3% YoY
+0.2% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$2.1B
-0.2% YoY
|
$4.8B
+8.2% YoY
|
Bottom 6.1% in tier |
| Return on Assets ? |
1.57%
+1.5% YoY
-8.2% QoQ
|
+0.21% |
1.37%
+19.6% YoY
|
0.78%
-19.5% YoY
|
1.23%
+13.4% YoY
|
75% |
| Net Interest Margin ? |
3.60%
-1.3% YoY
-6.3% QoQ
|
-0.22% |
3.82%
+6.9% YoY
|
3.99%
+5.2% YoY
|
3.89%
+5.7% YoY
|
48% |
| Efficiency Ratio ? |
45.53%
-0.8% YoY
+4.0% QoQ
|
-15.53% |
61.06%
-4.6% YoY
|
72.13%
+5.1% YoY
|
66.95%
-4.1% YoY
|
Top 12.0% in tier |
| Delinquency Rate ? |
0.10%
+472.3% YoY
+3.3% QoQ
|
-0.79% |
0.89%
+14.1% YoY
|
1.09%
+24.8% YoY
|
0.95%
+18.8% YoY
|
Top 11.6% in tier |
| Loan-to-Deposit Ratio ? |
65.39%
+4.8% YoY
+0.6% QoQ
|
-18.82% |
84.20%
+0.3% YoY
|
67.08%
+2.0% YoY
|
76.70%
+0.9% YoY
|
Top 12.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.42%
+440.7% YoY
+1.7% QoQ
|
-5.86% |
21.29%
-2.5% YoY
|
23.89%
+0.0% YoY
|
22.01%
-1.2% YoY
|
30% |
| Nonperforming Asset Ratio ? |
0.09%
+150.4% YoY
+2.3% QoQ
|
-0.58% |
0.67%
+15.6% YoY
|
0.71%
+24.8% YoY
|
0.67%
+19.3% YoY
|
Top 13.6% in tier |
| Tier 1 Capital Ratio ? |
12.70%
+8.7% YoY
+2.0% QoQ
|
-2.46% |
15.16%
+2.0% YoY
|
16.96%
+13.8% YoY
|
17.06%
+0.8% YoY
|
43% |
| Non-Interest Income / Assets ? |
0.11%
+6.5% YoY
-72.9% QoQ
|
-0.14% |
0.26%
+1.6% YoY
|
0.16%
-16.3% YoY
|
0.32%
+4.1% YoY
|
38% |
Get Full Access to First Metro Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (2)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.