BlastPoint's Banking Scorecard
Bank47
Designations: ✓ Community bank
Huntsville, AL
2 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 536 banks in the under $100M peer group nationwide — 1 of 12 in AL.
- Deposits +45.0% year over year ($87.7M on the books).
- Delinquency rate 0.18%.
- Return on assets -4.32%.
- Efficiency ratio 224.23% vs a 119.40% peer average.
- Loan-to-deposit ratio 72.52% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank47 has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.30% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 5.31% below tier average
- - Efficiency Ratio 104.83% above tier average
- - Net Interest Margin 0.91% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$97.0M
+39.9% YoY
+10.2% QoQ
|
+$34.5M |
$62.4M
-0.0% YoY
|
$2.5B
+1.5% YoY
|
$6.3B
+7.7% YoY
|
Top 4.1% in tier |
| Total Loans ? |
$63.6M
+67.6% YoY
+26.8% QoQ
|
+$28.7M |
$34.9M
-0.6% YoY
|
$1.6B
+2.8% YoY
|
$3.2B
+9.4% YoY
|
Top 10.3% in tier |
| Total Deposits ? |
$87.7M
+45.0% YoY
+11.4% QoQ
|
+$36.0M |
$51.6M
-0.2% YoY
|
$2.1B
+0.3% YoY
|
$4.9B
+7.3% YoY
|
Top 1.3% in tier |
| Return on Assets ? |
-4.32%
+10.6% YoY
+21.8% QoQ
|
-5.31% |
1.00%
+3.5% YoY
|
0.89%
-13.0% YoY
|
1.30%
+12.1% YoY
|
Bottom 2.4% in tier |
| Net Interest Margin ? |
3.00%
-18.4% YoY
+2.8% QoQ
|
-0.91% |
3.91%
+2.3% YoY
|
4.02%
+3.4% YoY
|
3.95%
+4.9% YoY
|
15% |
| Efficiency Ratio ? |
224.23%
+12.8% YoY
-14.0% QoQ
|
+104.83% |
119.40%
+49.6% YoY
|
69.53%
+4.0% YoY
|
70.05%
+2.5% YoY
|
Bottom 2.6% in tier |
| Delinquency Rate ? |
0.18%
-86.3% YoY
-78.4% QoQ
|
-1.30% |
1.48%
+31.8% YoY
|
1.13%
+25.5% YoY
|
0.98%
+16.3% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
72.52%
+15.6% YoY
+13.7% QoQ
|
-1.69% |
74.21%
+12.6% YoY
|
67.62%
+0.9% YoY
|
79.03%
+2.3% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
11.28%
-27.4% YoY
-4.5% QoQ
|
-12.21% |
23.49%
+0.6% YoY
|
24.04%
+0.1% YoY
|
21.98%
-0.6% YoY
|
17% |
| Nonperforming Asset Ratio ? |
0.12%
-83.5% YoY
-75.0% QoQ
|
-0.72% |
0.84%
+23.0% YoY
|
0.74%
+25.2% YoY
|
0.69%
+15.8% YoY
|
59% |
| Tier 1 Capital Ratio ? |
12.97%
-50.1% YoY
-3.9% QoQ
|
-14.15% |
27.13%
+3.0% YoY
|
15.01%
+1.3% YoY
|
17.09%
+0.8% YoY
|
31% |
| Non-Interest Income / Assets ? |
0.17%
-51.4% YoY
+77.2% QoQ
|
-1.21% |
1.38%
+6.3% YoY
|
0.35%
-14.4% YoY
|
0.66%
+5.2% YoY
|
65% |
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 |
11.3%
-4.3pp YoY -0.5pp QoQ |
-13.4pp | 24.6% | 24.0% | 22.2% | 12% |
| Brokered Deposits | 2.8% | -7.0pp | 9.8% | 5.5% | 8.5% | 27% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
21.8%
+2.7pp YoY -1.2pp QoQ |
+8.4pp | 13.4% | 16.9% | 12.5% | 82% |
| CRE | n/a | n/a | 25.2% | 43.5% | 41.4% | n/a |
| 1-4 Family |
27.3%
+9.0pp YoY +5.2pp QoQ |
-7.7pp | 35.0% | 30.6% | 31.3% | 46% |
| Consumer |
13.4%
-11.3pp YoY -3.7pp QoQ |
+5.8pp | 7.7% | 5.7% | 5.0% | 87% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 15.1% | 19.7% | n/a |
| Leverage Ratio |
13.0%
-3.4pp YoY -0.5pp QoQ |
-4.7pp | 17.7% | 13.2% | 12.6% | 52% |
| Total Capital Ratio | n/a | n/a | 39.7% | 16.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
26
0 YoY -3 (-10.3%) QoQ |
+14 | 12 | 304 | 482 | 96% |
| Assets per Employee ($) |
$3.7M
+39.9% YoY +22.9% QoQ |
-$2.5M | $6.2M | $6.9M | $8.8M | 15% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 20 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
-0.1pp YoY 0.0pp QoQ |
-0.9pp | 1.0% | 0.2% | 0.4% | 22% |
| Nonaccrual |
0.1%
-1.1pp YoY -0.7pp QoQ |
-1.6pp | 1.7% | 1.2% | 1.0% | 14% |
| Allowance Coverage |
13.68x
+546.0% YoY +275.5% QoQ |
+7.27x | 6.41x | 7.50x | 20.23x | 90% |
| Net Charge-off Rate (YTD) |
-0.2%
-0.2pp YoY +0.2pp QoQ |
-0.3pp | 0.2% | 0.3% | 0.2% | 6% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-47.1%
-6.7pp YoY +10.9pp QoQ |
-53.5pp | 6.4% | 10.0% | 11.6% | 1% |
| Cost of Funds (YTD) |
2.1%
+0.8pp YoY +0.1pp QoQ |
+0.7pp | 1.4% | 1.7% | 1.7% | 85% |
| Net Income ($, YTD) |
$-1930000.0
-11.9% YoY — QoQ |
-$2.2M | $317,817 | $17.2M | $40.4M | 1% |
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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.