BlastPoint's Banking Scorecard

First Federal Bank, A FSB

$100M-$1B Specialty: Mortgage AL FDIC cert 31127

Tuscaloosa, AL

3 branches across AL

2664 banks in the $100M-$1B peer group nationally 64 in AL

First Federal Bank, A FSB has 2 strengths but faces 6 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

+ Revenue Diversifier: Top 16.2% in tier
+ Delinquency Rate 0.25% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 25.9% in tier
- Capital Constraint: Bottom 63.0% in tier
- Net Interest Margin 1.27% below tier average
- Efficiency Ratio 24.89% above tier average
- Non-Interest-Bearing Deposit Share 16.40% below tier average
- ROA 0.44% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Total Assets ?	$178.7M +2.1% YoY +3.3% QoQ	-$207.3M	$386.1M +0.5% YoY	$2.5B +0.2% YoY	$6.2B +9.1% YoY	21%
Total Loans ?	$148.6M +3.8% YoY +4.1% QoQ	-$107.1M	$255.7M +1.1% YoY	$1.5B +2.4% YoY	$3.2B +10.8% YoY	36%
Total Deposits ?	$112.0M -7.9% YoY +1.4% QoQ	-$215.9M	$328.0M +0.1% YoY	$2.1B -0.2% YoY	$4.8B +8.2% YoY	Bottom 9.4% in tier
Return on Assets ?	0.83% +246.6% QoQ	-0.44%	1.27% +12.9% YoY	0.78% -19.5% YoY	1.23% +13.4% YoY	28%
Net Interest Margin ?	2.66% +23.3% YoY +4.2% QoQ	-1.27%	3.93% +6.0% YoY	3.99% +5.2% YoY	3.89% +5.7% YoY	Bottom 4.9% in tier
Efficiency Ratio ?	90.17% -9.6% YoY -7.1% QoQ	+24.89%	65.29% -4.5% YoY	72.13% +5.1% YoY	66.95% -4.1% YoY	Bottom 6.3% in tier
Delinquency Rate ?	0.64% -9.2% YoY +78.3% QoQ	-0.25%	0.89% +18.8% YoY	1.09% +24.8% YoY	0.95% +18.8% YoY	39%
Loan-to-Deposit Ratio ?	132.65% +12.7% YoY +2.6% QoQ	+56.01%	76.64% +0.8% YoY	67.08% +2.0% YoY	76.70% +0.9% YoY	Bottom 0.4% in tier
Non-Interest-Bearing Deposit Share ?	5.62% +8.3% YoY +0.5% QoQ	-16.40%	22.02% -1.0% YoY	23.89% +0.0% YoY	22.01% -1.2% YoY	Bottom 4.2% in tier
Nonperforming Asset Ratio ?	0.53% -7.7% YoY +79.6% QoQ	-0.11%	0.64% +19.7% YoY	0.71% +24.8% YoY	0.67% +19.3% YoY	36%
Tier 1 Capital Ratio ?	12.52% +3.4% YoY +0.6% QoQ	-3.31%	15.83% +1.5% YoY	16.96% +13.8% YoY	17.06% +0.8% YoY	41%
Non-Interest Income / Assets ?	1.64% +11.0% YoY -75.3% QoQ	+1.36%	0.28% +9.3% YoY	0.16% -16.3% YoY	0.32% +4.1% YoY	Top 1.1% 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 (1)

Revenue Diversifier

growth

#109 of 666 • Top 16.2% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 1.64%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 0.83%

(Tier: 1.27%, National: 1.23%)

but worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (2)

Deposit Outflow

decline

#132 of 506 • Bottom 25.9% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank improving

Capital Constraint

risk

#69 of 108 • Bottom 63.0% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 132.65%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 12.52%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 banks QoQ | QoQ rank declining

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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 1.64%

Peer Median: 0.28%

#31 of 2664 Top 1.1% in $100M-$1B

Top Weaknesses (6 metrics)

2655

Loan-to-Deposit Ratio

liquidity

Value: 132.65%

Peer Median: 76.64%

#2655 of 2664 Bottom 0.4% in $100M-$1B

2552

Non-Interest-Bearing Deposit Share

funding

Value: 5.62%

Peer Median: 22.02%

#2552 of 2664 Bottom 4.2% in $100M-$1B

2534

Net Interest Margin

profitability

Value: 2.66%

Peer Median: 3.93%

#2534 of 2664 Bottom 4.9% in $100M-$1B

2498

Efficiency Ratio

profitability

Value: 90.17%

Peer Median: 65.29%

#2498 of 2664 Bottom 6.3% in $100M-$1B

2414

Total Deposits

size

Value: $112.03M

Peer Median: $327.97M

#2414 of 2664 Bottom 9.4% in $100M-$1B

2098

Total Assets

size

Value: $178.75M

Peer Median: $386.08M

#2098 of 2664 Bottom 21.3% in $100M-$1B