BlastPoint's Banking Scorecard

Amory First Savings And Loan Bank, Ssb

under $100M Specialty: Mortgage MS FDIC cert 28949

Designations: ✓ Community bank

Amory, MS

541 banks in the under $100M peer group nationally 3 in MS

Amory First Savings And Loan Bank, Ssb has 1 strength but faces 5 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

+ Delinquency Rate 0.36% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 1.29% below tier average
- Non-Interest-Bearing Deposit Share 23.71% below tier average
- Non-Interest Income / Assets 0.66% below tier average
- ROA 0.68% below tier average
- Efficiency Ratio 5.39% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Total Assets ?	$77.0M +7.5% YoY +2.0% QoQ	+$14.9M	$62.2M -0.6% YoY	$2.3B +11.5% YoY	$6.2B +9.1% YoY	67%
Total Loans ?	$61.5M +17.1% YoY +2.6% QoQ	+$27.3M	$34.2M -1.4% YoY	$1.5B +13.2% YoY	$3.2B +10.8% YoY	Top 10.5% in tier
Total Deposits ?	$66.8M +8.0% YoY +2.0% QoQ	+$15.1M	$51.7M -0.7% YoY	$1.9B +10.5% YoY	$4.8B +8.2% YoY	69%
Return on Assets ?	0.16% -54.7% YoY -52.9% QoQ	-0.68%	0.84% -2.3% YoY	1.16% +5.3% YoY	1.23% +13.4% YoY	18%
Net Interest Margin ?	2.57% +10.8% YoY +1.2% QoQ	-1.29%	3.86% +2.8% YoY	3.97% +6.6% YoY	3.89% +5.7% YoY	Bottom 8.1% in tier
Efficiency Ratio ?	93.74% +10.6% YoY +12.0% QoQ	+5.39%	88.34% +0.3% YoY	67.65% -1.2% YoY	66.95% -4.1% YoY	17%
Delinquency Rate ?	1.01% +1.7% YoY +35.8% QoQ	-0.36%	1.37% +33.8% YoY	1.06% +2.0% YoY	0.95% +18.8% YoY	37%
Loan-to-Deposit Ratio ?	92.10% +8.4% YoY +0.6% QoQ	+27.88%	64.22% -0.7% YoY	70.20% +3.2% YoY	76.70% +0.9% YoY	Bottom 13.9% in tier
Non-Interest-Bearing Deposit Share ?	0.00%	-23.71%	23.71% +0.3% YoY	22.68% -1.8% YoY	22.01% -1.2% YoY	Bottom 5.0% in tier
Nonperforming Asset Ratio ?	0.81% +10.7% YoY +36.5% QoQ	+0.02%	0.79% +28.2% YoY	0.74% +0.7% YoY	0.67% +19.3% YoY	27%
Tier 1 Capital Ratio ?	12.97% -3.5% YoY -0.0% QoQ	-13.72%	26.68% +2.0% YoY	13.90% -1.0% YoY	17.06% +0.8% YoY	31%
Non-Interest Income / Assets ?	0.01% +24.0% YoY -89.1% QoQ	-0.66%	0.67% +1.9% YoY	0.17% -9.5% YoY	0.32% +4.1% YoY	Bottom 3.9% in tier

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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 541 peers in under $100M

Top Strengths (1 metrics)

Total Loans

size

Value: $61.52M

Peer Median: $34.25M

#58 of 541 Top 10.5% in under $100M

Top Weaknesses (6 metrics)

521

Non-Interest Income / Assets

revenue_mix

Value: 0.01%

Peer Median: 0.67%

#521 of 541 Bottom 3.9% in under $100M

515

Non-Interest-Bearing Deposit Share

funding

Value: 0.00%

Peer Median: 23.71%

#515 of 541 Bottom 5.0% in under $100M

498

Net Interest Margin

profitability

Value: 2.57%

Peer Median: 3.86%

#498 of 541 Bottom 8.1% in under $100M

467

Loan-to-Deposit Ratio

liquidity

Value: 92.10%

Peer Median: 64.22%

#467 of 541 Bottom 13.9% in under $100M

448

Efficiency Ratio

profitability

Value: 93.74%

Peer Median: 88.34%

#448 of 541 Bottom 17.4% in under $100M

443

Return on Assets

profitability

Value: 0.16%

Peer Median: 0.84%

#443 of 541 Bottom 18.3% in under $100M