BlastPoint's Banking Scorecard

First Bank of Alabama

$1B-$10B Specialty: Commercial AL FDIC cert 2832

Designations: ✓ Community bank

Talladega, AL

18 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 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in AL.
Deposits +19.4% year over year ($1.2B on the books).
Delinquency rate 3.44%.
Return on assets 1.31%.
Efficiency ratio 61.76% vs a 59.73% peer average.
Loan-to-deposit ratio 65.94% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 16 in AL

View $1B-$10B leaderboard (AL) →

First Bank of Alabama has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.47% above tier average

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 45.2% in tier
- Delinquency Rate 2.57% above tier average
- Nonperforming Asset Ratio 1.51% above tier average
- ROA 0.08% below tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Total Assets ?	$1.4B +22.7% YoY -0.6% QoQ	-$1.4B	$2.8B -0.6% YoY	$2.5B +1.5% YoY	$6.3B +7.7% YoY	27%
Total Loans ?	$800.4M +15.1% YoY -0.8% QoQ	-$1.2B	$2.0B -0.3% YoY	$1.6B +2.8% YoY	$3.2B +9.4% YoY	Bottom 14.7% in tier
Total Deposits ?	$1.2B +19.4% YoY -0.9% QoQ	-$1.1B	$2.3B -0.5% YoY	$2.1B +0.3% YoY	$4.9B +7.3% YoY	32%
Return on Assets ?	1.31% -1.6% YoY -9.0% QoQ	-0.08%	1.39% +17.0% YoY	0.89% -13.0% YoY	1.30% +12.1% YoY	55%
Net Interest Margin ?	4.34% +8.0% YoY -1.6% QoQ	+0.47%	3.87% +6.2% YoY	4.02% +3.4% YoY	3.95% +4.9% YoY	82%
Efficiency Ratio ?	61.76% +12.2% YoY +5.9% QoQ	+2.03%	59.73% -12.6% YoY	69.53% +4.0% YoY	70.05% +2.5% YoY	41%
Delinquency Rate ?	3.44% +15.8% QoQ	+2.57%	0.87% +11.7% YoY	1.13% +25.5% YoY	0.98% +16.3% YoY	Bottom 3.6% in tier
Loan-to-Deposit Ratio ?	65.94% -3.7% YoY +0.1% QoQ	-19.10%	85.04% -0.1% YoY	67.62% +0.9% YoY	79.03% +2.3% YoY	Top 11.5% in tier
Non-Interest-Bearing Deposit Share ?	16.67% -9.2% YoY +4.2% QoQ	-4.61%	21.27% -1.5% YoY	24.04% +0.1% YoY	21.98% -0.6% YoY	34%
Nonperforming Asset Ratio ?	2.19% +674.6% YoY +14.3% QoQ	+1.51%	0.67% +11.7% YoY	0.74% +25.2% YoY	0.69% +15.8% YoY	Bottom 5.4% in tier
Tier 1 Capital Ratio ?	13.37% -0.3% YoY +7.4% QoQ	-1.47%	14.84% -0.4% YoY	15.01% +1.3% YoY	17.09% +0.8% YoY	55%
Non-Interest Income / Assets ?	0.25% -22.0% YoY +115.0% QoQ	-0.28%	0.53% +2.5% YoY	0.35% -14.4% YoY	0.66% +5.2% YoY	40%

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	16.7% -1.7pp YoY +0.7pp QoQ	-4.7pp	21.4%	24.0%	22.2%	33%
Brokered Deposits	n/a	n/a	9.5%	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	16.5% +0.8pp YoY -0.1pp QoQ	+2.5pp	14.0%	16.9%	12.5%	72%
CRE	58.3% +0.2pp YoY -0.5pp QoQ	+8.3pp	50.0%	43.5%	41.4%	72%
1-4 Family	23.6% +1.3pp YoY +0.6pp QoQ	-2.8pp	26.4%	30.6%	31.3%	51%
Consumer	2.1% 0.0pp YoY -0.2pp QoQ	-2.6pp	4.7%	5.7%	5.0%	65%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
CET1 Ratio	13.4% -0.1pp YoY +0.9pp QoQ	-2.2pp	15.6%	15.1%	19.7%	47%
Leverage Ratio	9.8% -0.5pp YoY -0.8pp QoQ	-1.5pp	11.3%	13.2%	12.6%	32%
Total Capital Ratio	14.4% 0.0pp YoY +0.9pp QoQ	-2.3pp	16.7%	16.2%	20.8%	44%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Full-Time Employees	183 +36 (+24.5%) YoY +1 (+0.5%) QoQ	-131	313	304	482	35%
Assets per Employee ($)	$7.4M -1.4% YoY -1.1% QoQ	-$3.0M	$10.5M	$6.9M	$8.8M	29%
Branch Count	18 +4 (+28.6%) YoY +1 (+5.9%) QoQ	-2	20	20	18	60%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Past Due 90+ Days	0.7% +0.7pp YoY +0.7pp QoQ	+0.6pp	0.2%	0.2%	0.4%	95%
Nonaccrual	2.7% +2.5pp YoY -0.2pp QoQ	+1.9pp	0.8%	1.2%	1.0%	96%
Allowance Coverage	0.34x -92.8% YoY -22.4% QoQ	-18.37x	18.71x	7.50x	20.23x	3%
Net Charge-off Rate (YTD)	0.3% -0.9pp YoY +0.4pp QoQ	+0.1pp	0.3%	0.3%	0.2%	88%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
ROE	16.4% -2.3pp YoY -2.0pp QoQ	+3.9pp	12.6%	10.0%	11.6%	81%
Cost of Funds (YTD)	1.7% -0.4pp YoY 0.0pp QoQ	-0.2pp	1.9%	1.7%	1.7%	36%
Net Income ($, YTD)	$8.6M +14.8% YoY — QoQ	-$10.7M	$19.2M	$17.2M	$40.4M	32%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Cost Spiral

risk

#15 of 31 • Bottom 45.2% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 61.76%

(Tier: 59.73%, National: 70.05%)

worse than tier avg

31 of 31 Mid-Market banks match · 184 nationally

→ Stable +9 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (2 metrics)

103

Loan-to-Deposit Ratio

liquidity

Value: 65.94%

Peer Median: 85.04%

#103 of 885 Top 11.5% in $1B-$10B

158

Net Interest Margin

profitability

Value: 4.34%

Peer Median: 3.87%

#158 of 885 Top 17.7% in $1B-$10B

Top Weaknesses (3 metrics)

851

Delinquency Rate

credit_quality

Value: 3.44%

Peer Median: 0.87%

#851 of 882 Bottom 3.6% in $1B-$10B

838

Nonperforming Asset Ratio

credit_quality

Value: 2.19%

Peer Median: 0.67%

#838 of 885 Bottom 5.4% in $1B-$10B

756

Total Loans

size

Value: $800.43M

Peer Median: $1.96B

#756 of 885 Bottom 14.7% in $1B-$10B