BlastPoint's Banking Scorecard
Bank47
Designations: ✓ Community bank
Huntsville, AL
2 branches across AL
Bank47 has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.54% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 6.35% below tier average
- - Efficiency Ratio 172.53% above tier average
- - Net Interest Margin 0.94% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$88.0M
+23.4% YoY
+5.5% QoQ
|
+$25.8M |
$62.2M
-0.6% YoY
|
$2.5B
+0.2% YoY
|
$6.2B
+9.1% YoY
|
83% |
| Total Loans ? |
$50.1M
+68.9% YoY
+21.9% QoQ
|
+$15.9M |
$34.2M
-1.4% YoY
|
$1.5B
+2.4% YoY
|
$3.2B
+10.8% YoY
|
77% |
| Total Deposits ? |
$78.7M
+27.2% YoY
+5.6% QoQ
|
+$26.9M |
$51.7M
-0.7% YoY
|
$2.1B
-0.2% YoY
|
$4.8B
+8.2% YoY
|
Top 12.0% in tier |
| Return on Assets ? |
-5.52%
-29.2% YoY
+0.7% QoQ
|
-6.35% |
0.84%
-2.3% YoY
|
0.78%
-19.5% YoY
|
1.23%
+13.4% YoY
|
Bottom 1.8% in tier |
| Net Interest Margin ? |
2.92%
-16.0% YoY
-15.8% QoQ
|
-0.94% |
3.86%
+2.8% YoY
|
3.99%
+5.2% YoY
|
3.89%
+5.7% YoY
|
Bottom 13.9% in tier |
| Efficiency Ratio ? |
260.88%
+40.6% YoY
+14.9% QoQ
|
+172.53% |
88.34%
+0.3% YoY
|
72.13%
+5.1% YoY
|
66.95%
-4.1% YoY
|
Bottom 2.0% in tier |
| Delinquency Rate ? |
0.84%
-47.5% YoY
+526.5% QoQ
|
-0.54% |
1.37%
+33.8% YoY
|
1.09%
+24.8% YoY
|
0.95%
+18.8% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
63.76%
+32.8% YoY
+15.5% QoQ
|
-0.45% |
64.22%
-0.7% YoY
|
67.08%
+2.0% YoY
|
76.70%
+0.9% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
11.81%
-28.8% YoY
-25.2% QoQ
|
-11.90% |
23.71%
+0.3% YoY
|
23.89%
+0.0% YoY
|
22.01%
-1.2% YoY
|
18% |
| Nonperforming Asset Ratio ? |
0.48%
-28.0% YoY
+612.8% QoQ
|
-0.31% |
0.79%
+28.2% YoY
|
0.71%
+24.8% YoY
|
0.67%
+19.3% YoY
|
40% |
| Tier 1 Capital Ratio ? |
13.50%
-59.9% YoY
-39.6% QoQ
|
-13.19% |
26.68%
+2.0% YoY
|
16.96%
+13.8% YoY
|
17.06%
+0.8% YoY
|
35% |
| Non-Interest Income / Assets ? |
0.10%
-56.2% YoY
-80.8% QoQ
|
-0.57% |
0.67%
+1.9% YoY
|
0.16%
-16.3% YoY
|
0.32%
+4.1% YoY
|
70% |
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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)
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Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.