BlastPoint's Banking Scorecard
First Bank of Boaz
Boaz, 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 +1.2% year over year ($208.0M on the books).
- Delinquency rate 0.05%.
- Return on assets 0.85%.
- Efficiency ratio 62.09% vs a 64.48% peer average.
- Loan-to-deposit ratio 33.22% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Bank of Boaz has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 18.7% in tier
- + Efficiency Ratio 2.39% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 18.2% in tier
- - Net Interest Margin 1.31% below tier average
- - ROA 0.47% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$239.8M
-0.6% YoY
+1.1% QoQ
|
-$146.7M |
$386.6M
+1.2% YoY
|
$2.5B
+1.5% YoY
|
$6.3B
+7.7% YoY
|
34% |
| Total Loans ? |
$69.1M
+8.2% YoY
+1.7% QoQ
|
-$189.2M |
$258.3M
+1.7% YoY
|
$1.6B
+2.8% YoY
|
$3.2B
+9.4% YoY
|
Bottom 7.0% in tier |
| Total Deposits ? |
$208.0M
+1.2% YoY
+1.9% QoQ
|
-$118.7M |
$326.7M
+0.7% YoY
|
$2.1B
+0.3% YoY
|
$4.9B
+7.3% YoY
|
36% |
| Return on Assets ? |
0.85%
+1.5% YoY
+12.9% QoQ
|
-0.47% |
1.32%
+10.8% YoY
|
0.89%
-13.0% YoY
|
1.30%
+12.1% YoY
|
26% |
| Net Interest Margin ? |
2.67%
-1.4% YoY
+2.7% QoQ
|
-1.31% |
3.99%
+5.0% YoY
|
4.02%
+3.4% YoY
|
3.95%
+4.9% YoY
|
Bottom 4.5% in tier |
| Efficiency Ratio ? |
62.09%
+8.5% YoY
-3.0% QoQ
|
-2.39% |
64.48%
-3.2% YoY
|
69.53%
+4.0% YoY
|
70.05%
+2.5% YoY
|
51% |
| Delinquency Rate ? |
0.05%
-26.9% YoY
+33.8% QoQ
|
-0.87% |
0.92%
+15.7% YoY
|
1.13%
+25.5% YoY
|
0.98%
+16.3% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
33.22%
+7.0% YoY
-0.2% QoQ
|
-44.73% |
77.95%
+1.0% YoY
|
67.62%
+0.9% YoY
|
79.03%
+2.3% YoY
|
Top 2.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.04%
-0.9% YoY
-1.1% QoQ
|
+5.01% |
22.03%
-0.6% YoY
|
24.04%
+0.1% YoY
|
21.98%
-0.6% YoY
|
73% |
| Nonperforming Asset Ratio ? |
0.01%
-20.4% YoY
+34.5% QoQ
|
-0.65% |
0.67%
+16.4% YoY
|
0.74%
+25.2% YoY
|
0.69%
+15.8% YoY
|
Top 14.6% in tier |
| Tier 1 Capital Ratio ? |
19.66%
+3.5% YoY
-1.6% QoQ
|
+3.75% |
15.91%
+1.4% YoY
|
15.01%
+1.3% YoY
|
17.09%
+0.8% YoY
|
Top 14.5% in tier |
| Non-Interest Income / Assets ? |
0.10%
+7.5% YoY
+100.4% QoQ
|
-0.47% |
0.57%
+7.6% YoY
|
0.35%
-14.4% YoY
|
0.66%
+5.2% YoY
|
18% |
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 |
27.0%
-0.3pp YoY -0.3pp QoQ |
+4.9pp | 22.1% | 24.0% | 22.2% | 73% |
| Brokered Deposits | n/a | n/a | 7.9% | 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 |
13.7%
-1.2pp YoY +0.9pp QoQ |
+2.1pp | 11.6% | 16.9% | 12.5% | 71% |
| CRE |
41.8%
-0.5pp YoY -2.8pp QoQ |
+2.3pp | 39.5% | 43.5% | 41.4% | 56% |
| 1-4 Family |
30.8%
+0.7pp YoY +1.4pp QoQ |
-1.8pp | 32.6% | 30.6% | 31.3% | 53% |
| Consumer |
6.8%
-0.8pp YoY -0.6pp QoQ |
+2.7pp | 4.1% | 5.7% | 5.0% | 85% |
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 |
19.7%
+0.7pp YoY -0.3pp QoQ |
+7.5pp | 12.2% | 13.2% | 12.6% | 96% |
| 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 |
23
0 YoY 0 QoQ |
-36 | 58 | 304 | 482 | 15% |
| Assets per Employee ($) |
$10.4M
-0.6% YoY +1.1% QoQ |
+$2.9M | $7.5M | $6.9M | $8.8M | 88% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 20 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.0%
0.0pp QoQ |
-0.9pp | 0.9% | 1.2% | 1.0% | 12% |
| Allowance Coverage |
30.32x
+27.2% YoY -26.0% QoQ |
+6.17x | 24.15x | 7.50x | 20.23x | 91% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY |
-0.2pp | 0.1% | 0.3% | 0.2% | 12% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.0%
-1.3pp YoY +0.8pp QoQ |
-5.2pp | 12.2% | 10.0% | 11.6% | 21% |
| Cost of Funds (YTD) |
1.7%
-0.1pp YoY 0.0pp QoQ |
0.0pp | 1.7% | 1.7% | 1.7% | 53% |
| Net Income ($, YTD) |
$1.0M
-1.0% YoY — QoQ |
-$1.5M | $2.6M | $17.2M | $40.4M | 27% |
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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.