BlastPoint's Banking Scorecard
The Southern Bank Company
Gadsden, AL
4 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 +3.0% year over year ($104.8M on the books).
- Delinquency rate 1.94%.
- Return on assets 1.32%.
- Efficiency ratio 72.15% vs a 64.48% peer average.
- Loan-to-deposit ratio 63.44% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Southern Bank Company has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 4.40% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Ratio 7.68% above tier average
- - Delinquency Rate 1.02% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$133.1M
+6.5% YoY
+3.8% QoQ
|
-$253.5M |
$386.6M
+1.2% YoY
|
$2.5B
+1.5% YoY
|
$6.3B
+7.7% YoY
|
Bottom 8.9% in tier |
| Total Loans ? |
$66.5M
+17.6% YoY
+17.9% QoQ
|
-$191.9M |
$258.3M
+1.7% YoY
|
$1.6B
+2.8% YoY
|
$3.2B
+9.4% YoY
|
Bottom 6.2% in tier |
| Total Deposits ? |
$104.8M
+3.0% YoY
+2.3% QoQ
|
-$222.0M |
$326.7M
+0.7% YoY
|
$2.1B
+0.3% YoY
|
$4.9B
+7.3% YoY
|
Bottom 7.0% in tier |
| Return on Assets ? |
1.32%
+118.0% YoY
+17.0% QoQ
|
+0.00% |
1.32%
+10.8% YoY
|
0.89%
-13.0% YoY
|
1.30%
+12.1% YoY
|
54% |
| Net Interest Margin ? |
8.39%
+11.6% YoY
+8.3% QoQ
|
+4.40% |
3.99%
+5.0% YoY
|
4.02%
+3.4% YoY
|
3.95%
+4.9% YoY
|
Top 0.1% in tier |
| Efficiency Ratio ? |
72.15%
-12.9% YoY
-7.9% QoQ
|
+7.68% |
64.48%
-3.2% YoY
|
69.53%
+4.0% YoY
|
70.05%
+2.5% YoY
|
25% |
| Delinquency Rate ? |
1.94%
-51.3% YoY
-39.8% QoQ
|
+1.02% |
0.92%
+15.7% YoY
|
1.13%
+25.5% YoY
|
0.98%
+16.3% YoY
|
Bottom 13.4% in tier |
| Loan-to-Deposit Ratio ? |
63.44%
+14.2% YoY
+15.2% QoQ
|
-14.51% |
77.95%
+1.0% YoY
|
67.62%
+0.9% YoY
|
79.03%
+2.3% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
10.65%
+14.6% YoY
+8.2% QoQ
|
-11.38% |
22.03%
-0.6% YoY
|
24.04%
+0.1% YoY
|
21.98%
-0.6% YoY
|
Bottom 11.8% in tier |
| Nonperforming Asset Ratio ? |
0.97%
-46.3% YoY
-31.7% QoQ
|
+0.30% |
0.67%
+16.4% YoY
|
0.74%
+25.2% YoY
|
0.69%
+15.8% YoY
|
21% |
| Tier 1 Capital Ratio ? |
15.05%
+5.5% YoY
+0.6% QoQ
|
-0.86% |
15.91%
+1.4% YoY
|
15.01%
+1.3% YoY
|
17.09%
+0.8% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.17%
-25.1% YoY
+77.3% QoQ
|
-0.39% |
0.57%
+7.6% YoY
|
0.35%
-14.4% YoY
|
0.66%
+5.2% YoY
|
42% |
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 |
10.6%
+1.4pp YoY +0.8pp QoQ |
-11.5pp | 22.1% | 24.0% | 22.2% | 11% |
| 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 |
64.5%
+8.2pp YoY +3.6pp QoQ |
+52.9pp | 11.6% | 16.9% | 12.5% | 100% |
| CRE |
18.4%
-5.3pp YoY -3.9pp QoQ |
-21.2pp | 39.5% | 43.5% | 41.4% | 15% |
| 1-4 Family |
16.3%
-5.8pp YoY -2.1pp QoQ |
-16.4pp | 32.6% | 30.6% | 31.3% | 22% |
| Consumer |
0.4%
-0.2pp YoY 0.0pp QoQ |
-3.7pp | 4.1% | 5.7% | 5.0% | 13% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.1% | 19.7% | n/a |
| Leverage Ratio |
15.1%
+0.8pp YoY +0.1pp QoQ |
+2.9pp | 12.2% | 13.2% | 12.6% | 87% |
| Total Capital Ratio | n/a | n/a | 19.9% | 16.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
40
-6 (-13.0%) YoY -2 (-4.8%) QoQ |
-19 | 58 | 304 | 482 | 41% |
| Assets per Employee ($) |
$3.3M
+22.4% YoY +9.0% QoQ |
-$4.2M | $7.5M | $6.9M | $8.8M | 2% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 20 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp QoQ |
-0.3pp | 0.3% | 0.2% | 0.4% | 5% |
| Nonaccrual |
1.9%
-2.1pp YoY -1.3pp QoQ |
+1.0pp | 0.9% | 1.2% | 1.0% | 87% |
| Allowance Coverage |
1.33x
+62.2% YoY +82.9% QoQ |
-22.82x | 24.15x | 7.50x | 20.23x | 36% |
| Net Charge-off Rate (YTD) |
-0.7%
-0.9pp YoY +0.4pp QoQ |
-0.8pp | 0.1% | 0.3% | 0.2% | 0% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.8%
+5.0pp YoY +1.4pp QoQ |
-2.4pp | 12.2% | 10.0% | 11.6% | 36% |
| Cost of Funds (YTD) |
2.1%
-0.2pp YoY 0.0pp QoQ |
+0.4pp | 1.7% | 1.7% | 1.7% | 78% |
| Net Income ($, YTD) |
$859,000
+129.7% YoY — QoQ |
-$1.7M | $2.6M | $17.2M | $40.4M | 22% |
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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.