BlastPoint's Banking Scorecard
Dozier Bank
Designations: ✓ Community bank
Dozier, 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 536 banks in the under $100M peer group nationwide — 1 of 12 in AL.
- Deposits -3.0% year over year ($40.3M on the books).
- Delinquency rate 1.86%.
- Return on assets 1.06%.
- Efficiency ratio 58.71% vs a 119.40% peer average.
- Loan-to-deposit ratio 49.19% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Dozier Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.06% above tier average
- + Efficiency Ratio 60.69% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.61% below tier average
- - Delinquency Rate 0.38% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$54.8M
-0.6% YoY
-1.5% QoQ
|
-$7.6M |
$62.4M
-0.0% YoY
|
$2.5B
+1.5% YoY
|
$6.3B
+7.7% YoY
|
38% |
| Total Loans ? |
$19.8M
-10.9% YoY
-8.1% QoQ
|
-$15.1M |
$34.9M
-0.6% YoY
|
$1.6B
+2.8% YoY
|
$3.2B
+9.4% YoY
|
27% |
| Total Deposits ? |
$40.3M
-3.0% YoY
-2.1% QoQ
|
-$11.3M |
$51.6M
-0.2% YoY
|
$2.1B
+0.3% YoY
|
$4.9B
+7.3% YoY
|
31% |
| Return on Assets ? |
1.06%
-4.3% YoY
-3.8% QoQ
|
+0.06% |
1.00%
+3.5% YoY
|
0.89%
-13.0% YoY
|
1.30%
+12.1% YoY
|
54% |
| Net Interest Margin ? |
3.30%
+4.3% YoY
-0.9% QoQ
|
-0.61% |
3.91%
+2.3% YoY
|
4.02%
+3.4% YoY
|
3.95%
+4.9% YoY
|
22% |
| Efficiency Ratio ? |
58.71%
+6.5% YoY
+1.7% QoQ
|
-60.69% |
119.40%
+49.6% YoY
|
69.53%
+4.0% YoY
|
70.05%
+2.5% YoY
|
75% |
| Delinquency Rate ? |
1.86%
+557.7% YoY
+70.8% QoQ
|
+0.38% |
1.48%
+31.8% YoY
|
1.13%
+25.5% YoY
|
0.98%
+16.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
49.19%
-8.2% YoY
-6.2% QoQ
|
-25.02% |
74.21%
+12.6% YoY
|
67.62%
+0.9% YoY
|
79.03%
+2.3% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
28.83%
-1.5% YoY
-5.8% QoQ
|
+5.34% |
23.49%
+0.6% YoY
|
24.04%
+0.1% YoY
|
21.98%
-0.6% YoY
|
71% |
| Nonperforming Asset Ratio ? |
0.67%
+489.0% YoY
+59.4% QoQ
|
-0.16% |
0.84%
+23.0% YoY
|
0.74%
+25.2% YoY
|
0.69%
+15.8% YoY
|
32% |
| Tier 1 Capital Ratio ? |
26.77%
+3.5% YoY
+0.4% QoQ
|
-0.36% |
27.13%
+3.0% YoY
|
15.01%
+1.3% YoY
|
17.09%
+0.8% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.09%
-46.4% YoY
+111.8% QoQ
|
-1.29% |
1.38%
+6.3% YoY
|
0.35%
-14.4% YoY
|
0.66%
+5.2% YoY
|
34% |
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 |
28.8%
-0.5pp YoY -1.8pp QoQ |
+4.2pp | 24.6% | 24.0% | 22.2% | 70% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
17.3%
+0.9pp YoY +1.5pp QoQ |
+3.9pp | 13.4% | 16.9% | 12.5% | 74% |
| CRE |
55.5%
-2.5pp YoY -3.1pp QoQ |
+30.3pp | 25.2% | 43.5% | 41.4% | 94% |
| 1-4 Family |
20.4%
+3.6pp YoY +1.3pp QoQ |
-14.5pp | 35.0% | 30.6% | 31.3% | 37% |
| Consumer |
5.0%
+1.3pp YoY +0.5pp QoQ |
-2.7pp | 7.7% | 5.7% | 5.0% | 50% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 15.1% | 19.7% | n/a |
| Leverage Ratio |
26.8%
+0.9pp YoY +0.1pp QoQ |
+9.1pp | 17.7% | 13.2% | 12.6% | 91% |
| Total Capital Ratio | n/a | n/a | 39.7% | 16.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
5
0 YoY 0 QoQ |
-7 | 12 | 304 | 482 | 7% |
| Assets per Employee ($) |
$11.0M
-0.6% YoY -1.5% QoQ |
+$4.8M | $6.2M | $6.9M | $8.8M | 97% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 20 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.2% | 0.4% | n/a |
| Nonaccrual |
1.9%
+1.6pp YoY +0.8pp QoQ |
+0.1pp | 1.7% | 1.2% | 1.0% | 72% |
| Allowance Coverage |
0.61x
-82.9% YoY -36.3% QoQ |
-5.80x | 6.41x | 7.50x | 20.23x | 29% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.3% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
4.3%
-0.6pp YoY -0.2pp QoQ |
-2.1pp | 6.4% | 10.0% | 11.6% | 29% |
| Cost of Funds (YTD) |
1.1%
-0.4pp YoY 0.0pp QoQ |
-0.3pp | 1.4% | 1.7% | 1.7% | 32% |
| Net Income ($, YTD) |
$292,000
-4.3% YoY — QoQ |
-$26K | $317,817 | $17.2M | $40.4M | 51% |
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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.