BlastPoint's Banking Scorecard
The Southern Bank Company
Gadsden, AL
4 branches across AL
The Southern Bank Company has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 3.82% above tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 42.8% in tier
- - Delinquency Rate 2.34% above tier average
- - ROA 0.14% below tier average
- - Efficiency Ratio 13.06% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$128.2M
-0.0% YoY
-1.1% QoQ
|
-$257.9M |
$386.1M
+0.5% YoY
|
$2.5B
+0.2% YoY
|
$6.2B
+9.1% YoY
|
Bottom 8.3% in tier |
| Total Loans ? |
$56.4M
-4.1% YoY
-2.7% QoQ
|
-$199.3M |
$255.7M
+1.1% YoY
|
$1.5B
+2.4% YoY
|
$3.2B
+10.8% YoY
|
Bottom 4.1% in tier |
| Total Deposits ? |
$102.4M
-2.2% YoY
-0.9% QoQ
|
-$225.6M |
$328.0M
+0.1% YoY
|
$2.1B
-0.2% YoY
|
$4.8B
+8.2% YoY
|
Bottom 6.5% in tier |
| Return on Assets ? |
1.13%
+49.3% YoY
+51.4% QoQ
|
-0.14% |
1.27%
+12.9% YoY
|
0.78%
-19.5% YoY
|
1.23%
+13.4% YoY
|
45% |
| Net Interest Margin ? |
7.75%
+4.1% YoY
+3.1% QoQ
|
+3.82% |
3.93%
+6.0% YoY
|
3.99%
+5.2% YoY
|
3.89%
+5.7% YoY
|
Top 0.2% in tier |
| Efficiency Ratio ? |
78.35%
-4.9% YoY
-5.4% QoQ
|
+13.06% |
65.29%
-4.5% YoY
|
72.13%
+5.1% YoY
|
66.95%
-4.1% YoY
|
17% |
| Delinquency Rate ? |
3.23%
-16.3% YoY
+0.4% QoQ
|
+2.34% |
0.89%
+18.8% YoY
|
1.09%
+24.8% YoY
|
0.95%
+18.8% YoY
|
Bottom 5.3% in tier |
| Loan-to-Deposit Ratio ? |
55.05%
-2.0% YoY
-1.9% QoQ
|
-21.59% |
76.64%
+0.8% YoY
|
67.08%
+2.0% YoY
|
76.70%
+0.9% YoY
|
Top 13.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.84%
+5.6% YoY
-5.1% QoQ
|
-12.18% |
22.02%
-1.0% YoY
|
23.89%
+0.0% YoY
|
22.01%
-1.2% YoY
|
Bottom 10.5% in tier |
| Nonperforming Asset Ratio ? |
1.42%
-19.7% YoY
-1.2% QoQ
|
+0.78% |
0.64%
+19.7% YoY
|
0.71%
+24.8% YoY
|
0.67%
+19.3% YoY
|
Bottom 12.6% in tier |
| Tier 1 Capital Ratio ? |
14.96%
+2.6% YoY
+3.4% QoQ
|
-0.87% |
15.83%
+1.5% YoY
|
16.96%
+13.8% YoY
|
17.06%
+0.8% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.10%
-8.0% YoY
-77.9% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
0.16%
-16.3% YoY
|
0.32%
+4.1% YoY
|
51% |
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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 (1)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.