BlastPoint's Banking Scorecard

Bank of Brewton

under $100M Specialty: Other AL FDIC cert 5605

Designations: ✓ Community bank

Brewton, AL

2 branches across AL

541 banks in the under $100M peer group nationally 12 in AL

Bank of Brewton shows strong momentum with 6 strengths and 8.8% YoY asset growth

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

+ Delinquency Rate 1.37% below tier average
+ Non-Interest-Bearing Deposit Share 16.62% above tier average
+ Nonperforming Asset Ratio 0.79% below tier average
+ ROA 0.16% above tier average
+ Net Interest Margin 0.44% above tier average
+ Efficiency Ratio 10.67% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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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 ?	$50.7M +8.8% YoY +8.2% QoQ	-$11.4M	$62.2M -0.6% YoY	$2.5B +0.2% YoY	$6.2B +9.1% YoY	33%
Total Loans ?	$13.9M -18.9% YoY -22.6% QoQ	-$20.3M	$34.2M -1.4% YoY	$1.5B +2.4% YoY	$3.2B +10.8% YoY	17%
Total Deposits ?	$41.6M +9.0% YoY +10.4% QoQ	-$10.1M	$51.7M -0.7% YoY	$2.1B -0.2% YoY	$4.8B +8.2% YoY	33%
Return on Assets ?	0.99% +129.8% YoY +115.1% QoQ	+0.16%	0.84% -2.3% YoY	0.78% -19.5% YoY	1.23% +13.4% YoY	53%
Net Interest Margin ?	4.30% +4.2% YoY +0.5% QoQ	+0.44%	3.86% +2.8% YoY	3.99% +5.2% YoY	3.89% +5.7% YoY	69%
Efficiency Ratio ?	77.67% -14.0% YoY -15.1% QoQ	-10.67%	88.34% +0.3% YoY	72.13% +5.1% YoY	66.95% -4.1% YoY	38%
Delinquency Rate ?	0.00% -100.0% YoY -100.0% QoQ	-1.37%	1.37% +33.8% YoY	1.09% +24.8% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	33.50% -25.6% YoY -29.9% QoQ	-30.72%	64.22% -0.7% YoY	67.08% +2.0% YoY	76.70% +0.9% YoY	Top 11.5% in tier
Non-Interest-Bearing Deposit Share ?	40.34% +15.8% YoY +9.6% QoQ	+16.62%	23.71% +0.3% YoY	23.89% +0.0% YoY	22.01% -1.2% YoY	Top 8.9% in tier
Nonperforming Asset Ratio ?	0.00% -100.0% YoY -100.0% QoQ	-0.79%	0.79% +28.2% YoY	0.71% +24.8% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	20.30% -2.9% YoY -1.0% QoQ	-6.38%	26.68% +2.0% YoY	16.96% +13.8% YoY	17.06% +0.8% YoY	71%
Non-Interest Income / Assets ?	0.08% -46.2% YoY -83.2% QoQ	-0.58%	0.67% +1.9% YoY	0.16% -16.3% YoY	0.32% +4.1% YoY	61%

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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 (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

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 541 peers in under $100M

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.37%

#1 of 521 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.79%

#1 of 541 Top 0.1% in under $100M

Non-Interest-Bearing Deposit Share

funding

Value: 40.34%

Peer Median: 23.71%

#49 of 541 Top 8.9% in under $100M

Loan-to-Deposit Ratio

liquidity

Value: 33.50%

Peer Median: 64.22%

#63 of 541 Top 11.5% in under $100M

Top Weaknesses (1 metrics)

448

Total Loans

size

Value: $13.94M

Peer Median: $34.25M

#448 of 541 Bottom 17.4% in under $100M