BlastPoint's Banking Scorecard
First Bank of Boaz
Boaz, AL
First Bank of Boaz has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 1.25% below tier average
- + Delinquency Rate 0.85% below tier average
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 38.1% in tier
- - Net Interest Margin 1.33% below tier average
- - ROA 0.51% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$237.2M
-5.8% YoY
-0.4% QoQ
|
-$148.9M |
$386.1M
+0.5% YoY
|
$2.5B
+0.2% YoY
|
$6.2B
+9.1% YoY
|
34% |
| Total Loans ? |
$68.0M
+7.6% YoY
-0.3% QoQ
|
-$187.8M |
$255.7M
+1.1% YoY
|
$1.5B
+2.4% YoY
|
$3.2B
+10.8% YoY
|
Bottom 6.9% in tier |
| Total Deposits ? |
$204.1M
-0.5% YoY
+0.1% QoQ
|
-$123.8M |
$328.0M
+0.1% YoY
|
$2.1B
-0.2% YoY
|
$4.8B
+8.2% YoY
|
35% |
| Return on Assets ? |
0.76%
+9.6% YoY
-20.0% QoQ
|
-0.51% |
1.27%
+12.9% YoY
|
0.78%
-19.5% YoY
|
1.23%
+13.4% YoY
|
23% |
| Net Interest Margin ? |
2.60%
-1.2% YoY
-3.9% QoQ
|
-1.33% |
3.93%
+6.0% YoY
|
3.99%
+5.2% YoY
|
3.89%
+5.7% YoY
|
Bottom 4.3% in tier |
| Efficiency Ratio ? |
64.03%
+11.8% YoY
+14.6% QoQ
|
-1.25% |
65.29%
-4.5% YoY
|
72.13%
+5.1% YoY
|
66.95%
-4.1% YoY
|
48% |
| Delinquency Rate ? |
0.04%
-47.2% YoY
|
-0.85% |
0.89%
+18.8% YoY
|
1.09%
+24.8% YoY
|
0.95%
+18.8% YoY
|
82% |
| Loan-to-Deposit Ratio ? |
33.29%
+8.2% YoY
-0.4% QoQ
|
-43.35% |
76.64%
+0.8% YoY
|
67.08%
+2.0% YoY
|
76.70%
+0.9% YoY
|
Top 2.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.35%
-3.9% YoY
+1.1% QoQ
|
+5.33% |
22.02%
-1.0% YoY
|
23.89%
+0.0% YoY
|
22.01%
-1.2% YoY
|
74% |
| Nonperforming Asset Ratio ? |
0.01%
-39.7% YoY
|
-0.63% |
0.64%
+19.7% YoY
|
0.71%
+24.8% YoY
|
0.67%
+19.3% YoY
|
Top 14.1% in tier |
| Tier 1 Capital Ratio ? |
19.98%
+5.6% YoY
+0.5% QoQ
|
+4.15% |
15.83%
+1.5% YoY
|
16.96%
+13.8% YoY
|
17.06%
+0.8% YoY
|
Top 13.5% in tier |
| Non-Interest Income / Assets ? |
0.05%
+7.1% YoY
-79.5% QoQ
|
-0.23% |
0.28%
+9.3% YoY
|
0.16%
-16.3% YoY
|
0.32%
+4.1% YoY
|
19% |
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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)
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.