BlastPoint's Banking Scorecard
Bank of Brewton
Designations: ✓ Community bank
Brewton, 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 +3.7% year over year ($40.3M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.14%.
- Efficiency ratio 75.57% vs a 119.40% peer average.
- Loan-to-deposit ratio 37.09% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Brewton demonstrates 6 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Non-Interest-Bearing Deposit Share 17.51% above tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + ROA 0.14% above tier average
- + Net Interest Margin 0.30% above tier average
- + Efficiency Ratio 43.83% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$49.6M
+4.5% YoY
-2.3% QoQ
|
-$12.8M |
$62.4M
-0.0% YoY
|
$2.5B
+1.5% YoY
|
$6.3B
+7.7% YoY
|
31% |
| Total Loans ? |
$14.9M
-18.1% YoY
+7.2% QoQ
|
-$19.9M |
$34.9M
-0.6% YoY
|
$1.6B
+2.8% YoY
|
$3.2B
+9.4% YoY
|
19% |
| Total Deposits ? |
$40.3M
+3.7% YoY
-3.1% QoQ
|
-$11.3M |
$51.6M
-0.2% YoY
|
$2.1B
+0.3% YoY
|
$4.9B
+7.3% YoY
|
31% |
| Return on Assets ? |
1.14%
+14.7% QoQ
|
+0.14% |
1.00%
+3.5% YoY
|
0.89%
-13.0% YoY
|
1.30%
+12.1% YoY
|
59% |
| Net Interest Margin ? |
4.21%
+0.8% YoY
-2.1% QoQ
|
+0.30% |
3.91%
+2.3% YoY
|
4.02%
+3.4% YoY
|
3.95%
+4.9% YoY
|
64% |
| Efficiency Ratio ? |
75.57%
-18.1% YoY
-2.7% QoQ
|
-43.83% |
119.40%
+49.6% YoY
|
69.53%
+4.0% YoY
|
70.05%
+2.5% YoY
|
41% |
| Delinquency Rate ? | 0.00% | -1.48% |
1.48%
+31.8% YoY
|
1.13%
+25.5% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
37.09%
-21.0% YoY
+10.7% QoQ
|
-37.12% |
74.21%
+12.6% YoY
|
67.62%
+0.9% YoY
|
79.03%
+2.3% YoY
|
Top 14.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
41.00%
+16.2% YoY
+1.6% QoQ
|
+17.51% |
23.49%
+0.6% YoY
|
24.04%
+0.1% YoY
|
21.98%
-0.6% YoY
|
Top 8.6% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.84% |
0.84%
+23.0% YoY
|
0.74%
+25.2% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
20.57%
+1.8% YoY
+1.3% QoQ
|
-6.56% |
27.13%
+3.0% YoY
|
15.01%
+1.3% YoY
|
17.09%
+0.8% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.28%
+10.2% YoY
+241.9% QoQ
|
-1.10% |
1.38%
+6.3% YoY
|
0.35%
-14.4% YoY
|
0.66%
+5.2% YoY
|
81% |
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 |
41.0%
+5.7pp YoY +0.7pp QoQ |
+16.4pp | 24.6% | 24.0% | 22.2% | 91% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
42.6%
+6.3pp YoY +4.9pp QoQ |
+29.2pp | 13.4% | 16.9% | 12.5% | 97% |
| CRE | n/a | n/a | 25.2% | 43.5% | 41.4% | n/a |
| 1-4 Family |
13.9%
-1.7pp YoY -3.1pp QoQ |
-21.1pp | 35.0% | 30.6% | 31.3% | 27% |
| Consumer |
10.5%
-9.0pp YoY +0.5pp QoQ |
+2.8pp | 7.7% | 5.7% | 5.0% | 79% |
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 |
20.6%
+0.4pp YoY +0.3pp QoQ |
+2.9pp | 17.7% | 13.2% | 12.6% | 87% |
| 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 |
16
-2 (-11.1%) YoY 0 QoQ |
+4 | 12 | 304 | 482 | 77% |
| Assets per Employee ($) |
$3.1M
+17.6% YoY -2.3% QoQ |
-$3.1M | $6.2M | $6.9M | $8.8M | 8% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 20 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.2% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 1.2% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 7.50x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.3% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.1%
+5.7pp YoY +0.8pp QoQ |
-0.3pp | 6.4% | 10.0% | 11.6% | 38% |
| Cost of Funds (YTD) |
0.5%
-0.2pp YoY 0.0pp QoQ |
-0.9pp | 1.4% | 1.7% | 1.7% | 8% |
| Net Income ($, YTD) |
$279,000
+1295.0% YoY — QoQ |
-$39K | $317,817 | $17.2M | $40.4M | 49% |
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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.