BlastPoint's Banking Scorecard
Amory First Savings And Loan Bank, Ssb
Designations: ✓ Community bank
Amory, MS
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 4 in MS.
- Deposits +10.9% year over year ($68.1M on the books).
- Delinquency rate 1.38%.
- Return on assets 0.62%.
- Efficiency ratio 73.08% vs a 119.40% peer average.
- Loan-to-deposit ratio 90.53% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Amory First Savings And Loan Bank, Ssb has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 46.32% below tier average
- + Delinquency Rate 0.10% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.20% below tier average
- - Non-Interest-Bearing Deposit Share 23.49% below tier average
- - Non-Interest Income / Assets 1.36% below tier average
- - ROA 0.38% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$78.7M
+9.5% YoY
+2.2% QoQ
|
+$16.3M |
$62.4M
-0.0% YoY
|
$2.3B
+4.7% YoY
|
$6.3B
+7.7% YoY
|
69% |
| Total Loans ? |
$61.6M
+10.2% YoY
+0.2% QoQ
|
+$26.8M |
$34.9M
-0.6% YoY
|
$1.6B
+6.5% YoY
|
$3.2B
+9.4% YoY
|
Top 11.9% in tier |
| Total Deposits ? |
$68.1M
+10.9% YoY
+1.9% QoQ
|
+$16.5M |
$51.6M
-0.2% YoY
|
$1.9B
+4.9% YoY
|
$4.9B
+7.3% YoY
|
71% |
| Return on Assets ? |
0.62%
+287.4% YoY
+292.5% QoQ
|
-0.38% |
1.00%
+3.5% YoY
|
1.27%
+12.8% YoY
|
1.30%
+12.1% YoY
|
31% |
| Net Interest Margin ? |
2.71%
+13.6% YoY
+5.7% QoQ
|
-1.20% |
3.91%
+2.3% YoY
|
4.02%
+5.6% YoY
|
3.95%
+4.9% YoY
|
Bottom 9.9% in tier |
| Efficiency Ratio ? |
73.08%
-22.7% YoY
-22.0% QoQ
|
-46.32% |
119.40%
+49.6% YoY
|
65.83%
-2.8% YoY
|
70.05%
+2.5% YoY
|
46% |
| Delinquency Rate ? |
1.38%
+29.8% YoY
+36.1% QoQ
|
-0.10% |
1.48%
+31.8% YoY
|
1.03%
+6.0% YoY
|
0.98%
+16.3% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
90.53%
-0.6% YoY
-1.7% QoQ
|
+16.32% |
74.21%
+12.6% YoY
|
72.48%
+3.6% YoY
|
79.03%
+2.3% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -23.49% |
23.49%
+0.6% YoY
|
22.74%
-2.6% YoY
|
21.98%
-0.6% YoY
|
Bottom 4.7% in tier |
| Nonperforming Asset Ratio ? |
1.08%
+30.6% YoY
+33.5% QoQ
|
+0.24% |
0.84%
+23.0% YoY
|
0.80%
+11.3% YoY
|
0.69%
+15.8% YoY
|
23% |
| Tier 1 Capital Ratio ? |
13.11%
-3.1% YoY
+1.1% QoQ
|
-14.01% |
27.13%
+3.0% YoY
|
13.77%
-2.2% YoY
|
17.09%
+0.8% YoY
|
33% |
| Non-Interest Income / Assets ? |
0.02%
-73.6% YoY
+218.0% QoQ
|
-1.36% |
1.38%
+6.3% YoY
|
0.38%
+2.4% YoY
|
0.66%
+5.2% YoY
|
Bottom 5.8% in tier |
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 (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing | n/a | n/a | 24.6% | 23.1% | 22.2% | n/a |
| Brokered Deposits | n/a | n/a | 9.8% | 3.8% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I | n/a | n/a | 13.4% | 12.4% | 12.5% | n/a |
| CRE | n/a | n/a | 25.2% | 42.3% | 41.4% | n/a |
| 1-4 Family |
93.6%
-0.2pp YoY +0.1pp QoQ |
+58.7pp | 35.0% | 33.1% | 31.3% | 97% |
| Consumer |
0.6%
-0.1pp YoY 0.0pp QoQ |
-7.0pp | 7.7% | 5.6% | 5.0% | 8% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 16.5% | 19.7% | n/a |
| Leverage Ratio |
13.1%
-0.4pp YoY +0.1pp QoQ |
-4.6pp | 17.7% | 11.9% | 12.6% | 54% |
| Total Capital Ratio | n/a | n/a | 39.7% | 17.7% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
7
-2 (-22.2%) YoY 0 QoQ |
-5 | 12 | 297 | 482 | 20% |
| Assets per Employee ($) |
$11.2M
+40.8% YoY +2.2% QoQ |
+$5.1M | $6.2M | $6.2M | $8.8M | 97% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 22 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
1.3%
+0.8pp YoY +0.4pp QoQ |
+0.4pp | 1.0% | 0.3% | 0.4% | 81% |
| Nonaccrual |
0.0%
-0.4pp YoY 0.0pp QoQ |
-1.7pp | 1.7% | 0.9% | 1.0% | 4% |
| Allowance Coverage |
0.73x
-18.3% YoY -22.3% QoQ |
-5.68x | 6.41x | 4.87x | 20.23x | 34% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp QoQ |
-0.1pp | 0.2% | 0.1% | 0.2% | 53% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
4.8%
+3.6pp YoY +3.6pp QoQ |
-1.6pp | 6.4% | 11.7% | 11.6% | 31% |
| Cost of Funds (YTD) |
2.8%
0.0pp YoY 0.0pp QoQ |
+1.3pp | 1.4% | 1.8% | 1.7% | 96% |
| Net Income ($, YTD) |
$238,000
+317.5% YoY — QoQ |
-$80K | $317,817 | $13.8M | $40.4M | 42% |
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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.