BlastPoint's Banking Scorecard

AmeriFirst Bank

$100M-$1B Specialty: Commercial AL FDIC cert 2838

Montgomery, AL

6 branches across AL

2664 banks in the $100M-$1B peer group nationally 64 in AL

AmeriFirst Bank has 3 strengths but faces 1 concern

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 0.60% above tier average
+ Efficiency Ratio 4.44% below tier average
+ Delinquency Rate 0.77% below tier average

Key Concerns

Areas that may need attention

- ROA 0.10% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Total Assets ?	$360.6M +0.9% YoY +1.1% QoQ	-$25.5M	$386.1M +0.5% YoY	$2.5B +0.2% YoY	$6.2B +9.1% YoY	56%
Total Loans ?	$276.0M +6.7% YoY +1.0% QoQ	+$20.3M	$255.7M +1.1% YoY	$1.5B +2.4% YoY	$3.2B +10.8% YoY	64%
Total Deposits ?	$323.1M +0.6% YoY +1.1% QoQ	-$4.9M	$328.0M +0.1% YoY	$2.1B -0.2% YoY	$4.8B +8.2% YoY	58%
Return on Assets ?	1.17% +3.5% YoY -0.6% QoQ	-0.10%	1.27% +12.9% YoY	0.78% -19.5% YoY	1.23% +13.4% YoY	48%
Net Interest Margin ?	4.53% +5.7% YoY +1.0% QoQ	+0.60%	3.93% +6.0% YoY	3.99% +5.2% YoY	3.89% +5.7% YoY	83%
Efficiency Ratio ?	60.85% -3.5% YoY +2.4% QoQ	-4.44%	65.29% -4.5% YoY	72.13% +5.1% YoY	66.95% -4.1% YoY	57%
Delinquency Rate ?	0.12% -82.6% YoY -19.1% QoQ	-0.77%	0.89% +18.8% YoY	1.09% +24.8% YoY	0.95% +18.8% YoY	72%
Loan-to-Deposit Ratio ?	85.43% +6.0% YoY -0.1% QoQ	+8.79%	76.64% +0.8% YoY	67.08% +2.0% YoY	76.70% +0.9% YoY	34%
Non-Interest-Bearing Deposit Share ?	21.33% +1.6% YoY +10.7% QoQ	-0.69%	22.02% -1.0% YoY	23.89% +0.0% YoY	22.01% -1.2% YoY	51%
Nonperforming Asset Ratio ?	0.49% +3.1% YoY -4.9% QoQ	-0.14%	0.64% +19.7% YoY	0.71% +24.8% YoY	0.67% +19.3% YoY	38%
Tier 1 Capital Ratio ?	11.67% -2.5% YoY +3.0% QoQ	-4.16%	15.83% +1.5% YoY	16.96% +13.8% YoY	17.06% +0.8% YoY	31%
Non-Interest Income / Assets ?	0.09% +7.9% YoY -74.1% QoQ	-0.19%	0.28% +9.3% YoY	0.16% -16.3% YoY	0.32% +4.1% YoY	47%

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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 (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

455

Net Interest Margin

profitability

Value: 4.53%

Peer Median: 3.93%

#455 of 2664 Top 17.0% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available