BlastPoint's Banking Scorecard
AmeriFirst Bank
Montgomery, AL
6 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 63 in AL.
- Deposits +5.3% year over year ($325.1M on the books).
- Delinquency rate 0.19%.
- Return on assets 1.23%.
- Efficiency ratio 60.33% vs a 64.48% peer average.
- Loan-to-deposit ratio 85.33% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
AmeriFirst Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.63% above tier average
- + Efficiency Ratio 4.15% below tier average
- + Delinquency Rate 0.73% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.09% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$364.1M
+5.2% YoY
+1.0% QoQ
|
-$22.5M |
$386.6M
+1.2% YoY
|
$2.5B
+1.5% YoY
|
$6.3B
+7.7% YoY
|
57% |
| Total Loans ? |
$277.4M
+7.8% YoY
+0.5% QoQ
|
+$19.0M |
$258.3M
+1.7% YoY
|
$1.6B
+2.8% YoY
|
$3.2B
+9.4% YoY
|
63% |
| Total Deposits ? |
$325.1M
+5.3% YoY
+0.6% QoQ
|
-$1.7M |
$326.7M
+0.7% YoY
|
$2.1B
+0.3% YoY
|
$4.9B
+7.3% YoY
|
59% |
| Return on Assets ? |
1.23%
+4.5% YoY
+5.4% QoQ
|
-0.09% |
1.32%
+10.8% YoY
|
0.89%
-13.0% YoY
|
1.30%
+12.1% YoY
|
49% |
| Net Interest Margin ? |
4.61%
+4.5% YoY
+1.8% QoQ
|
+0.63% |
3.99%
+5.0% YoY
|
4.02%
+3.4% YoY
|
3.95%
+4.9% YoY
|
83% |
| Efficiency Ratio ? |
60.33%
-1.0% YoY
-0.9% QoQ
|
-4.15% |
64.48%
-3.2% YoY
|
69.53%
+4.0% YoY
|
70.05%
+2.5% YoY
|
56% |
| Delinquency Rate ? |
0.19%
-68.8% YoY
+65.8% QoQ
|
-0.73% |
0.92%
+15.7% YoY
|
1.13%
+25.5% YoY
|
0.98%
+16.3% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
85.33%
+2.3% YoY
-0.1% QoQ
|
+7.38% |
77.95%
+1.0% YoY
|
67.62%
+0.9% YoY
|
79.03%
+2.3% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
22.68%
+5.3% YoY
+6.3% QoQ
|
+0.65% |
22.03%
-0.6% YoY
|
24.04%
+0.1% YoY
|
21.98%
-0.6% YoY
|
58% |
| Nonperforming Asset Ratio ? |
0.53%
+17.0% YoY
+7.7% QoQ
|
-0.14% |
0.67%
+16.4% YoY
|
0.74%
+25.2% YoY
|
0.69%
+15.8% YoY
|
38% |
| Tier 1 Capital Ratio ? |
11.97%
-1.9% YoY
+2.6% QoQ
|
-3.94% |
15.91%
+1.4% YoY
|
15.01%
+1.3% YoY
|
17.09%
+0.8% YoY
|
36% |
| Non-Interest Income / Assets ? |
0.17%
-1.0% YoY
+83.1% QoQ
|
-0.40% |
0.57%
+7.6% 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
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 |
22.7%
+1.1pp YoY +1.3pp QoQ |
+0.5pp | 22.1% | 24.0% | 22.2% | 58% |
| 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 |
11.8%
-0.5pp YoY +0.1pp QoQ |
+0.2pp | 11.6% | 16.9% | 12.5% | 62% |
| CRE |
52.9%
-0.6pp YoY -0.2pp QoQ |
+13.4pp | 39.5% | 43.5% | 41.4% | 75% |
| 1-4 Family |
33.0%
+0.5pp YoY +1.1pp QoQ |
+0.3pp | 32.6% | 30.6% | 31.3% | 58% |
| Consumer |
1.3%
-0.2pp YoY 0.0pp QoQ |
-2.8pp | 4.1% | 5.7% | 5.0% | 36% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.0%
-0.2pp YoY +0.3pp QoQ |
-6.9pp | 18.8% | 15.1% | 19.7% | 17% |
| Leverage Ratio |
9.7%
-0.1pp YoY +0.3pp QoQ |
-2.5pp | 12.2% | 13.2% | 12.6% | 24% |
| Total Capital Ratio |
13.1%
-0.2pp YoY +0.3pp QoQ |
-6.8pp | 19.9% | 16.2% | 20.8% | 17% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
52
+1 (+2.0%) YoY -3 (-5.5%) QoQ |
-7 | 58 | 304 | 482 | 56% |
| Assets per Employee ($) |
$7.0M
+3.1% YoY +6.8% QoQ |
-$516K | $7.5M | $6.9M | $8.8M | 52% |
| Branch Count |
6
+1 (+20.0%) YoY +1 (+20.0%) QoQ |
+1 | 4 | 20 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.1% | -0.2pp | 0.3% | 0.2% | 0.4% | 47% |
| Nonaccrual |
0.1%
-0.5pp YoY 0.0pp QoQ |
-0.8pp | 0.9% | 1.2% | 1.0% | 20% |
| Allowance Coverage |
6.17x
+211.7% YoY -38.0% QoQ |
-17.98x | 24.15x | 7.50x | 20.23x | 74% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY -0.1pp QoQ |
-0.1pp | 0.1% | 0.3% | 0.2% | 75% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.3%
+0.5pp YoY +0.5pp QoQ |
+1.1pp | 12.2% | 10.0% | 11.6% | 58% |
| Cost of Funds (YTD) |
1.6%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 1.7% | 1.7% | 1.7% | 41% |
| Net Income ($, YTD) |
$2.2M
+8.9% YoY — QoQ |
-$333K | $2.6M | $17.2M | $40.4M | 57% |
Get Full Access to AmeriFirst Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.