BlastPoint's Banking Scorecard
North Alabama Bank
Hazel Green, AL
4 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 +0.4% year over year ($156.0M on the books).
- Delinquency rate 0.15%.
- Return on assets 1.53%.
- Efficiency ratio 61.54% vs a 64.48% peer average.
- Loan-to-deposit ratio 88.41% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
North Alabama Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.58% above tier average
- + ROA 0.21% above tier average
- + Efficiency Ratio 2.94% below tier average
- + Delinquency Rate 0.77% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 8.1% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$178.6M
-0.1% YoY
+1.6% QoQ
|
-$208.0M |
$386.6M
+1.2% YoY
|
$2.5B
+1.5% YoY
|
$6.3B
+7.7% YoY
|
21% |
| Total Loans ? |
$137.9M
-1.4% YoY
+1.2% QoQ
|
-$120.4M |
$258.3M
+1.7% YoY
|
$1.6B
+2.8% YoY
|
$3.2B
+9.4% YoY
|
31% |
| Total Deposits ? |
$156.0M
+0.4% YoY
+1.4% QoQ
|
-$170.7M |
$326.7M
+0.7% YoY
|
$2.1B
+0.3% YoY
|
$4.9B
+7.3% YoY
|
23% |
| Return on Assets ? |
1.53%
+2.3% YoY
+1.0% QoQ
|
+0.21% |
1.32%
+10.8% YoY
|
0.89%
-13.0% YoY
|
1.30%
+12.1% YoY
|
67% |
| Net Interest Margin ? |
5.56%
+6.2% YoY
-0.2% QoQ
|
+1.58% |
3.99%
+5.0% YoY
|
4.02%
+3.4% YoY
|
3.95%
+4.9% YoY
|
Top 2.7% in tier |
| Efficiency Ratio ? |
61.54%
+1.9% YoY
-0.6% QoQ
|
-2.94% |
64.48%
-3.2% YoY
|
69.53%
+4.0% YoY
|
70.05%
+2.5% YoY
|
53% |
| Delinquency Rate ? |
0.15%
+4.5% YoY
+547.1% QoQ
|
-0.77% |
0.92%
+15.7% YoY
|
1.13%
+25.5% YoY
|
0.98%
+16.3% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
88.41%
-1.8% YoY
-0.2% QoQ
|
+10.46% |
77.95%
+1.0% YoY
|
67.62%
+0.9% YoY
|
79.03%
+2.3% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
25.34%
-7.4% YoY
-0.9% QoQ
|
+3.31% |
22.03%
-0.6% YoY
|
24.04%
+0.1% YoY
|
21.98%
-0.6% YoY
|
67% |
| Nonperforming Asset Ratio ? |
0.11%
+3.1% YoY
+544.4% QoQ
|
-0.56% |
0.67%
+16.4% YoY
|
0.74%
+25.2% YoY
|
0.69%
+15.8% YoY
|
69% |
| Tier 1 Capital Ratio ? |
11.73%
+14.7% YoY
+4.0% QoQ
|
-4.18% |
15.91%
+1.4% YoY
|
15.01%
+1.3% YoY
|
17.09%
+0.8% YoY
|
32% |
| Non-Interest Income / Assets ? |
0.25%
+5.2% YoY
+94.2% QoQ
|
-0.32% |
0.57%
+7.6% YoY
|
0.35%
-14.4% YoY
|
0.66%
+5.2% YoY
|
63% |
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 |
25.3%
-2.0pp YoY -0.2pp QoQ |
+3.2pp | 22.1% | 24.0% | 22.2% | 67% |
| Brokered Deposits |
4.5%
-2.0pp YoY -0.7pp QoQ |
-3.4pp | 7.9% | 5.5% | 8.5% | 48% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.5%
+3.2pp YoY -0.1pp QoQ |
-5.0pp | 11.6% | 16.9% | 12.5% | 29% |
| CRE |
47.9%
-5.1pp YoY +0.1pp QoQ |
+8.4pp | 39.5% | 43.5% | 41.4% | 66% |
| 1-4 Family |
33.7%
+4.4pp YoY +0.1pp QoQ |
+1.1pp | 32.6% | 30.6% | 31.3% | 59% |
| Consumer |
1.9%
+0.1pp YoY -0.1pp QoQ |
-2.2pp | 4.1% | 5.7% | 5.0% | 47% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.1% | 19.7% | n/a |
| Leverage Ratio |
11.7%
+1.5pp YoY +0.5pp QoQ |
-0.4pp | 12.2% | 13.2% | 12.6% | 61% |
| Total Capital Ratio | n/a | n/a | 19.9% | 16.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
42
+1 (+2.4%) YoY 0 QoQ |
-17 | 58 | 304 | 482 | 44% |
| Assets per Employee ($) |
$4.3M
-2.4% YoY +1.6% QoQ |
-$3.3M | $7.5M | $6.9M | $8.8M | 6% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 20 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.1%
0.0pp YoY +0.1pp QoQ |
-0.8pp | 0.9% | 1.2% | 1.0% | 24% |
| Allowance Coverage |
7.29x
-6.2% YoY -85.1% QoQ |
-16.86x | 24.15x | 7.50x | 20.23x | 77% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.3% | 0.2% | 68% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.7%
-1.6pp YoY 0.0pp QoQ |
+1.5pp | 12.2% | 10.0% | 11.6% | 60% |
| Cost of Funds (YTD) |
1.9%
-0.3pp YoY 0.0pp QoQ |
+0.2pp | 1.7% | 1.7% | 1.7% | 66% |
| Net Income ($, YTD) |
$1.3M
+1.0% YoY — QoQ |
-$1.2M | $2.6M | $17.2M | $40.4M | 37% |
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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 (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.